davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Last month my FICO score on Experian was XXXX. When I checked my Fico score in XXXX I saw it XXXX. I looked online on Experian site and it said I have 1 late payment ( 60+ days ). I requested my credit report and I requested my credit report and it shows that all my accounts are current and I have no late payments. I called Experian and they confirmed that I don't have any late payments. Representative I spoke with said he'll send an email to their technical department to look into it. Because it is clearly a computer error. 
Meanwhile today on Experian site my FICO score is already XXXX. 
I need to apply for a credit card for my business and this score is keeping me from it negatively affecting my business.
Consumer complaint received 2019-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

i opened a credit card with XXXX XXXX Bank about 2 yrs ago and when I tried to use the card, XXXX XXXX told me that the card that I had was cancelled and they sent a credit card to another address. They sent it to a person that is fradulent and has been using my information about about 2 years. I believe they live in the XXXX XXXX. I have sent the collections company the police report.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

I have been trying to access my credit score/report from Equifax since XX/XX/2018 when my husband and I were trying to buy a house. I had never requested my credit score from equifax specifically, so I never knew that there was an issue, but my husband and I were almost unable to go through with the home loan because my lender was unable to pull anything from Equifax. However, I have active, accessible credit files with XXXX and XXXX. At the time, I contacted Equifax several times by phone to try and determine what the issue was but they kept giving me different answers, such as " we do not have a file for you, '' " there is a discrepancy on your name, '' and " we can not give you any information at this time. '' I also tried to create an account on Equifax 's website, but I kept receiving an error code which I shared with the Equifax representative and they recommended that I try sending a letter to Equifax with copies of my social security card, photo id, and a cover letter explaining the situation, that there was a discrepancy on my name. A month later I received a response back from Equifax saying that they did not have a file for me. After buying our house, I tried to let some time pass, because I knew for sure that our lender reported to Equifax as well as the other lenders, and I wanted to see if that would make a difference. However, it has been over a year since we bought the house and I still can not access my credit report from Equifax.
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation (TN)

The company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) has attempted to collect a debt from me that isn't mine. I have no knowledge of this debt. XXXX XXXX alleges that their office sent a collections letter XX/XX/XXXX informing me of the debt being placed with their office. I have not received any communication from this company prior to me contacting them with an affidavit of denial on XX/XX/XXXX explaining that i have no knowledge of the account and i have no contractual agreement with XXXX XXXX. I have also filed a complaint with the XXXX XXXX XXXX explaining the same thing and requesting that XXXX XXXX remove the account and stop reporting to the appropriate credit reporting agencies. XXXX XXXX has refused to cease collection attempts furthermore they have refuse to stop reporting to the credit reporting agencies and remove the accounts from my credit file. They have not shown me any documentation that i owe a debt to them or the original creditor that they mentioned in their response on XX/XX/XXXX. According to 15 U.S. Code 1692g they must validate the debt and show physical documentation. As stated before i have no knowledge of this account and i have been unable to obtain credit due to this situation. This is a violation of my rights.
Consumer complaint received 2018-10-03
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: Experian Information Solutions Inc. (TX)

I sent a dispute to Experian on XX/XX/2018, and it was received on approximately XX/XX/2018. Today XX/XX/2018 I received the attached letter stating that Experian isn't going to be investigating my disputes because I didn't provide information to validate myself. My dispute included a notarized form stating that a notary public verified my ID. Experian is attempting shirk their responsibilities under the FCRA. I am not going to attach my ID for privacy reasons. Please see the attached dispute.
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I am attempting to obtain the XXXX form from my mortgage company in order to file my XXXX taxes. Capital One was my mortgage company for close to 10 years until XX/XX/XXXX. In XX/XX/XXXX they sold my mortgage to " XXXX XXXX XXXX ''. The new company can provide XXXX information only for XX/XX/XXXX to the present. They told me I need to go back to Capital One for any information I need before that date. 

Here 's the problem I'm confronted with. Capital One completely erased any information related to their mortgages off of their website so any mortgage information you want to obtain before XX/XX/XXXX is gone. Capital One no longer has anyone I can contact to ask any questions about my mortgage. The only Phone number ( XXXX ) XXXX has a recording that tells you there is no one available to help you with mortgage questions. You need to write a letter with any questions to a P.O.Box. 

Capital One XXXX XXXX XXXX  XXXX, Minnesota XXXX The recording states they will send out XXXX forms by the end of XX/XX/XXXX. I did not receive the XXXX. If I write them a letter at this point I do not know that I will receive a XXXX in time to file my taxes by XX/XX/XXXX as there is no one there I can contact. 

In addition Capital One paid some taxes for me in the amount of {$2300.00} for XXXX in XX/XX/XXXX. They charged me {$3200.00} in XX/XX/XXXXfor taxes. I want to know the reason for the discrepancy and get an accounting because I do not have an escrow account with them.
Consumer complaint received 2019-03-12
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. (GA)

On XX/XX/18 I filed a complaint with the CFPB regarding the request for investigation I made with two credit bureaus, report # XXXX ( TU ) and XXXX ( XXXX ). 

I received a response from the CFPB that despite multiple attempts on my part over the course of several months for XXXX  and Transunion stalling that they would still be given another 90-days. Well guess what, today is day 90 and they have NOT responded or deleted the unverified information from my report. 

HOW ARE THEY ALLOWED TO DO THIS? I am again asking for your support in having this deleted. 

MAKE THEM COMPLY WITH THE LAW. I can't keep keeping up with this. I shouldn't have to. It's stressful and harming my score. If you can't make this happen what other government agency do I complain to? This is ridiculous at this point, they have not done a reasonable investigation nor complied in a timely manner!
Consumer complaint received 2018-02-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Machol & Johannes, LLC (NM)

My bank account was emptied and a bank fee was charged this account, due to a Writ of Garnishment dated XX/XX/XXXX, this is all coming from an alleged judgement that is over 10 years old in which I was never given service or notice and a default judgment was entered  on XX/XX/XXXX in New Mexico District Court, but I was never informed or given notice of a Complaint or Judgment. 
After Ten Years and Eight Months with no contact or collection activity on XX/XX/XXXX attorney XXXX XXXX XXXX, filed to reopen the court case against me after Over Ten years after the Judgment was given and this same attorney filed an application for Writ of Garnishment, the judge issued the writ and my savings account was emptied. 
I have never received any notices from this court or attorney and this alleged judgment was filed without my knowledge. The Bank has now given me a collection agency Name and Number that I am to contact if I have any questions, this company is Machol & Johannes , LLC. ( XXXX ) XXXX. 
I believe the judgment is expired and invalid, the alleged debt is being illegally collected and the collection agency is trying to collect on a debt illegally without notice that has long since expired or is noncollectable.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

On XX/XX/2019, I tried to purchase a vehicle but was told that I needed to unfreeze my Experian report. I called Experian on Monday, I have spent 3hrs holding on the phone, I have been passed around, and still my credit report remains frozen. I moved states for a new job and I can not open a new bank account or a buy a car because Experian is awful. I had no issues with XXXX or XXXX, at this point I feel as if my credit report is being held hostage and I deeply regret ever freezing my experian credit report.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a XXXX  father to a XXXX XXXX, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.
Consumer complaint received 2020-12-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (FL)

On XX/XX/2020, I purchased a used refrigerator from XXXX XXXX  and obtained a rent to own lease from Acima Credit. I have been making bi-weekly payments to Acima since about a week or two after that date. I have the option to pay the total amount off within 90 days, in order to avoid having to pay any interest. That was what I intended to do. On XX/XX/2020, I determined that the refrigerator was not working. I contacted XXXX XXXX  and was advised that the item had only a 30 day warranty, which had since expired. I contacted an appliance repair person and paid him {$40.00} to have the problem diagnosed. He determined that the fan motor was not working. The following Monday, he attempted to find a replacement part, but was made aware that it could take as long as 30 days to obtain this part. On Saturday, XX/XX/2020, I contacted Acima and was told that I could terminate the contract and have the refrigerator picked up. I decided to wait until Monday, to find out about the status of the part. When I was informed by the repair person that the part could not be obtained for possibly 30 days, I contacted Acima ( on XX/XX/2020 ) to initiate termination of the contract. I was asked to provide photographs of the item, which I did. Now Acima wants me to pay {$270.00} for a non-working refrigerator. This makes no sense to me. I want Acima to either pick up the refrigerator ( Acima does not want to because it is not working ) or allow me to junk it and terminate the contract.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I created a document XXXX  for this box. Please see the attached letter with the information, references, and actions taken by me and the associated codes and laws that support my complaint. 
Thank you kindly. 

XXXX XXXX
Consumer complaint received 2021-10-25
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC (MN)

My mother passed away on & XXXX. She had a reverse Mortgage with Novad. Sent them a registered mail to them on XX/XX/XXXX. Certified rec 'd to Novad on XX/XX/XXXX. when I didn't hear from them I sent a fax onXXXXXXXX, it was sent conformation confirmed. This was stated both times " Please initiate Deed-In-Leau of Foreclose ''. I am not on my mom 's title for home. I have called the number for XXXX and one for HUD. I have sat on hold for over 4hours on both numbers only to be disconnected! This is for XXXX XXXX XXXX property address XXXX XXXX XXXX XXXX MN XXXX.
Consumer complaint received 2019-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

I closed on a house XX/XX/XXXX. I have made a payment every month of around XXXX. XX/XX/XXXX I made another payment to XXXX XXXX for the XX/XX/XXXX due date, it came out of my bank account on XX/XX/XXXX, not knowing they had transferred my loan to Mr.Cooper. I have called both agencies countless times trying to find the money. XXXX XXXX said they transferred the full payment. I eventually found out from Mr. cooper my account was transferred in XXXX. I have called mr cooper several times over the last few months seeing if they had found the payment. They kept telling me they would look into it and contact me as soon as they found something out or received payment. I would get three to four phone calls a week from their automated service trying to get me to make a payment. After a few calls, when Id answer, it would just be static and noise, no talking or anything. So I made them remove me from the call list. Today I went to make a payment because I had to wait to get the checks from both of my jobs to deposit in the bank to pay the XX/XX/XXXX payment ( which would technically be XX/XX/XXXX since Im still a month behind due to them not having my XXXX payment ) but when I saw that my new payment with two months due was {$1600.00}, I panicked. I couldnt even make a partial payment because they required at least 50 % of total due. I only had XXXX. When I called to figure out why my payment increased that much, after finally understanding since this is my first home, they made a tax payment at the end of 2018 which set my escrow balance at - {$2300.00}. The statement says lowest projected escrow balance at XX/XX/XXXX is - {$2900.00}, minimum amount {$680.00} for two months, amount to be current {$3600.00}. If I was to pay the full amount it would still leave my monthly payments {$770.00}, which theres no way I could just come up with the money to pay all at once. If the amount was added to the 12 months I would have to pay {$1000.00} a month. I got a USDA loan because I do not make a lot of money and rent isnt that affordable. However Im also not at all capable of a thousand dollar a month payment on top of all of my other bills. Now that Ive had help understanding this, I see how theyve screwed me. Ill be happy to provide any more information.
Consumer complaint received 2022-11-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EPA USA INC (KY)

Company has called me repeatedly and does not make proper documentation on the account ; manager has called and left threatening messages about the next course of action ; also did not have receive any documentation in the mail about this debt ; I spoke to them about resolving this debt since I am going through a financial hardship ; company was paid {$200.00} XX/XX/2022 and {$100.00} on XX/XX/2022. Still received phone calls after setting up an arrangement for the next 3 months ; also representatives who answer the phones are VERY unpleasant and rude/unprofessional ; also has called my family members to harrass them AND talking about my personal information which is against the law
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did call XXXX XXXX Early of 2019 ( XXXX of 2019 ). To ask for a settlement and I did not want to call them during that time because I only had. {$4900.00} with me. But I still did. I did not agree with all of it and wanted to see if they can do a settlement for me but these accounts are inaccurate. I wanted to settle it but they Told me the loan was sold. 3 weeks later- I filed for a dispute with Transunion XXXX XXXX XXXX failed to do this again. Unable to provide me any proof. For example, the loan shows now I owe {$10000.00} when it was XXXX. Date was also incorrect. XXXX can't give me any information and Transunion keep telling me XXXX XXXX responded to us and told us these accounts are valid '' 2 years later ... .Ive been sending dispute letters and nothing had happened. How is it considered sold? and still consider it as charged off? Transunion failed to provide this information too. How am I supposed to pay and make a settlement when they couldn't even find me? If it was really sold. They should've told me where to contact the new creditor. Transunion failed this and for the 10th time. I am still unable to resolve this. 

Some of these accounts are already 7 years old. I consulted a lawyer about this but even told me its not worth it to settle these accounts because its so old. If I did settle this 4years ago. It'll make more sense.
Consumer complaint received 2020-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (LA)

On XX/XX/2020 I contacted Afni Inc via certified mail regarding two violations they made. The bill was in the amount of {$1000.00} therefor I sent them an invoice in the amount of {$2000.00}.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I responded to a XXXX ad advertising a house for rent in XXXX XXXX on XX/XX/XXXX, and my boyfriend went over to check out a house XXXX XXXX and XXXX XXXX were renting. He met XXXX and his little kids. It was great and I was really excited they wanted to rent to me. I paid a deposit after signing a rental agreement over XXXX of {$1300.00}. He wanted first and last month 's rent up front, and I only paid him first month ( though tried to pay just a smaller amount, since it was all so offline ). I was meant to move in XX/XX/XXXX. On XX/XX/XXXX, XXXX told me that a better offer had come in over XXXX and asked if I could be flexible, since I mentioned wanting to move in over a variety of dates. I decided I could be, and spent a month waiting for him to update our rental agreement. XXXX always eventually responded, even when I got nervous he was going to ghost me - like when his XXXX messages stopped going through. But then he'd respond to an email, saying he'd get to the rental agreement that day. Eventually he did update the rental agreement, so that I would move in XX/XX/XXXX - XX/XX/XXXX and gave me a free month of rent. Then he never showed up to let me into the house or give me keys. I reported this to my bank on XX/XX/XXXX. They were looking into it as fraud. They said they did not have enough information to prove it was fraud. I have had to spend countless hours on hold trying to reach them to follow up on this and managing my accounts impacted by fraud.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Per the FCRA, as a federally protective consumer, I am now opting out any and of all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal per 15 USC 6802.

THE PRIVACY ACT OF 1974 ( 15 USC 1611 ) Criminal liability for willful and knowing violation, whoever gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year or both.

( 15 USC 1681 ) Accuracy and Fairness of Credit reporting ; IT IS ILLEGAL TO REPORT TRANSACTION HISTORY ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( 15 USC 6802 ) Obligation with respect to disclosures of personal information.

( 15 USC 6805 ) The enforcement of the regulation prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission, with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$4500.00} XX/XX/year> XXXX XXXX XXXX - XX/XX/year> 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.