davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC (UT)

My XXXX  credit shows a collection on my credit for {$390.00} reported by Mountain Run Solutions. Last Reported on XX/XX/XXXX. 

I have disputed this claim every month since XXXX with the credit bureaus, only to have Mountain Run Solutions report that I owe the money, month after month.

I won't get into why I don't think I ever owed the money in the first place, because I did ultimately settle the account for less than the amount they claimed I owed in exchange for a letter of deletion to have the record removed from my account. Which I paid on XX/XX/XXXX. 

Here is where things get interesting. I had been contacted by a different company all together XXXX XXXX XXXX whom I paid. XXXX possible violation if multiple companies are trying to collect for the same debt. ) On XX/XX/XXXX I sent a certified letter to Mountain Run solutions disputing the reported debt. The letter was returned to me.

I then sent letters to each of bureaus with a copy of the returned letter. Disputing the claim as obviously false information was being reported on my credit if the address was wrong and requested that they remove the record. The following month none of them had removed it or sent me any kink of response. However, the credit report did update saying that Mountain Run had verified the debt once again. I sent a second letter to each bureau threating suit if it was not removed. Two of the three bureaus removed it, the hold out being TransUnion. TransUnion just updated their records that the debt had been verified on XX/XX/XXXX. 

On XX/XX/XXXX I reached out by phone to Mountain Run Solutions. They were able to pull my account and the lady on the phone could see that the debt had been settled/paid. But refused to remove the collection since it was not paid in full. 

Keep in mind that at this point regardless of all else the amount being reported and the amount owed is different. Yet another piece of information that is undisputedly incorrect. ( Along with the Address ) I do have copies of an offer from XXXX XXXX XXXX. I have a letter from XXXX XXXX stating the account is paid in full. I can show proof of payment to XXXX XXXX XXXX. I have a certified letter returned to me that was addressed to Mountain Run Solutions. I have certified letters to the Credit Bureaus spanning several months. And, I have copies of my credit report spanning several months. 

It is my opinion that, It is not my responsibility to prove that I don't owe them. But instead It is the creditor and bureaus responsibility to prove I owe. And further more their responsibility to report true and accurate information. 

Mountain Run Solutions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX ( XXXX ) XXXX XXXX  XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX
Consumer complaint received 2019-03-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (OR)

The nature of the compliant and/or Problem : XXXX XXXX of Guild Mortgage conducted a bait and switched on the client : XXXX XXXX for financial gain. As per Ms. XXXX, she was informed by Ms. XXXX that she was Pre-Approved for a FHA loan for her condo purchase. The client had $ XXXX for down payment, yet she was stirred into a Hard Money short term investor loan. The clients understanding at that time about this tactic and hard money loans was nonexistent. If the client was provided all of her viable options at that time, this situation could of have been avoided. 

The supporting documentation is for visual illustration and review. The client is seeking action against all parties listed. The client has a scheduled foreclosure sales date of XX/XX/XXXX. The client would like to see the foreclosure postponed, delayed and investigated. The client would like to conference with you regarding this matter if required. 

Application date : XX/XX/XXXX Mortgage Amount : $ XXXX
Consumer complaint received 2023-02-16
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (WA)

AMEX XXXX I don't think there is anything in your terms and conditions covering whether I'm liable for charges related to a XXXX  XXXX XXXX? 

That's YOUR problem. That's your merchant. And you have made that our problem for over two years,
Consumer complaint received 2019-03-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IL)

I called several different times to start a deferment and was approved for information to be corrected by navient about late payments. But when I look on my credit report it says different causing my score to change. It looks like lve been missing payments. When I was told I had a certain amount of time to pay or submit proper documents about my hardship.
Consumer complaint received 2023-02-02
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. (TX)

XXXX made a mistake and had my legitimate accounts by XXXX XXXX flagged as XXXX. I've since then been given the runaround since XX/XX/XXXX from XXXX passing blame on to XXXX XXXX to resolve this issue. On XX/XX/XXXX after speaking with XXXX with XXXX XXXX XXXX dispute application department and was once again told that XXXX will need to contact XXXX  XXXX and acknowledge the error since I never disputed the accounts in question.
Consumer complaint received 2019-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

I received a federal loan and Navient is the liaison on XX/XX/XXXX. Last month on XX/XX/XXXX and XX/XX/XXXX for amounts of {$700.00} and {$600.00} respectively. I checked my account today on XX/XX/XXXX to make another payment and was surprised to see my unpaid interest was significantly higher than I expected. My payments were never processed for that loan. I have attempted to contact them and have not received an explanation as of yet. In searching for help with this, it appears I'm not the only one with misallocated payments.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

My personal information was used to open accounts in my name. Those accounts do not belong to me and i would like to have the credit bureaus remove the fraudulent information. I have sent them letters and reports explaining this information. I have reach to the companies involved and now I am reaching out to you. 

XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX. {$250.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX. {$680.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$880.00} XXXX XXXX  {$360.00} XXXX XXXX {$9900.00} XXXX XXXX. {$5500.00} XXXX XXXX XXXX. {$100.00} XXXX XXXX XXXX XXXX {$0.00} DEPT OF EDUCATION XXXX  XXXX {$12000.00} DEPT OF EDUCATIONXXXX {$35.00}, XXXX DEPT OF EDUCATION XXXX XXXX {$27000.00} DEPT OF EDUCATION {$0.00} XXXX XXXX XXXX  {$0.00} XXXX BANK XXXX XXXX {$0.00}
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I opened a checking account with XXXX XXXX ( back when that's what it was called ), my husband was not on the acct initially but I added him when my health dictated I wouldn't always be able to get there. At one point they called me and asked if I would like to have overdraft protection and I said no, I did not, I wanted the charges so I would be motivated NOT to get them. Then I got something in the mail a few months later and it was a bill for overdraft protection. I took it to the bank and asked why I was getting it, they said, because you have o.p. I repeated that I did not have it, I'd declined it and the branch manager looked it up and said, yes, I see right here that you said no, however we called your husband and he said yes. so I said I would pay the checks but not those fees. A few years later I was taken by them to small claims court and my husband went in my stead as I was too ill to go. The case was found that I do not have the income to pay this back as I only have XXXX. The bank charged it OFF but has continued to add up fees. I am not going to pay XXXX in fees but have again told them I will pay the XXXX and change when they provide me with a letter stating that this has been an accepted agreement with them. They would NOT speak to my husband as he was NOT on the o.p., but neither was I, and though they've told him repeatedly that they wouldn't speak to him they HAVE been speaking to them. I have tried to as well and the phone call convienently gets dropped constantly. I asked them for proof of my signature on a promissary note and they said they don't provide that to the customer, they also wouldn't send me anything stating that this account is in dispute. They are making it virtually impossible for me to pay what I owe which is the checks and their associated fees ( the insf fee ) yet KEEP racking up finance charges, I've also NEVER received anything from them stating they are still charging fees. They've got me between a rock and a deceptive, fraudulent place and I need assistance with them to pay them what I owe and get the credit report reported to honestly. please help me, thank you, XXXX XXXX
Consumer complaint received 2019-03-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has agreed to re-open my CFPB complaint # XXXX. 
Dear Customer : As part of our commitment to make ting right for customers, we are contacting current and former customers of Wells Fargo who may have submitted a complaint to us, the Consumer Financial Protection Bureau or another government agency about receiving an unwarranted consumer or small business product or service sold through a Wells Fargo branch. We want to ensure you are satisfied with how your complaint was resolved. We are here to help. If you submitted a complaint about an unwanted consumer or small business product or service and feel your complaint was not fully addressed, please contact us at XXXX XXXX, Monday -Friday XXXX to XXXX Eastern Time. Thank you. Sincerely XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have contacted Wells Fargo and they have assigned me new case number XXXX. Any questions, please call me at XXXX XXXX. Thank you. XXXX XXXX XXXX
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

CapitalOne provided an extended warranty which at the time this complaint was filed is within the extended warranty period. The company also ask for particular documentations which I provided see attached. The company failed or refused to honor its extended warranty policy and disregard the documents submitted to substantiate the claim.The company known or should have known that once the company accepted the claim it was obligated to review and investigate the issues as the extended warranty is within the time frame of its policy. It was my understanding that the warranty period extends the dispute time frame and if not the extended warranty would cover issues such as this. I called Capitol One regarding filing a dispute against XXXX XXXX  XXXX {$3800.00} card number XX/XX/XXXX. The issue was a faulty ac unit the vendor installed that is faulty. The vendor has made several visits to repair or make corrections each time resulting in a service charge.The vendor last visit was XX/XX/XXXX. I filed a claim with Capital One and submitted all the documentation they request but my claim was denied stating I did not send in all the requested documentations when I did and it stated unfortunately, that time-frame has expired. If you want to dispute a charge in the future, please let us know within 60 days of receiving it. When I called Capitol One and made the complaint I let the representative know this charge was from XX/XX/XXXX. The representative stated it was not a problem I said thank you. When I received the letter of denial I was shocked. So I called and spoke with a representative on XX/XX/XXXX. She talked to a supervisor who explained XXXX XXXX would not accept the complaint because it was 500 and some odd days old.She said I supplied all the right information and the vendor has failed to respond. I wondered why Capitol One warranty or dispute claims did not accept and pay for the faulty ac.I do not think that is fair.I believe I am entitled to a refund.
Consumer complaint received 2020-11-24
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: Experian Information Solutions Inc. (NV)

My wife and I personal information was both stolen and has been being used as if they are us to the point that they got so many accounts in my name they filed bankruptcy to start over and get MORE accounts in my name. I filed a police report over 8 years ago and an identity theft report. This still keeps happening and no one is helping me fix it. I disputed with the credit bureaus and they still have left some of it there like I should be liable which it TOTALLY WRONG. They actually DELETED an account on my wife 's report that DID belong to us but still leave the fraudulent accounts there.
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc. (NJ)

1. Sold home in XXXX 2. never received electric bill ( even though electric co. says bill was not returned ) XXXX. electric co. sends bill to collections 4. collection co. states it attempted to call me but does not leave messages ( I do not answer phone from unrecognized numbers ) 5. collections co. states it sent me a notice ( I did not receive any invoices/bills ) 6. collection co. admits to sending amount owed/invoice to wrong address but that they resolved and sent to correct address ( never received ) 7. I contact electric co. and pay outstanding bill for {$120.00} when notified by XXXX of an issue 8. I am notified by collection co. debt owed is {$320.00} which I pay ( disparity? ) 9. My personal credit history is of NEVER having been late on payments 10. credit score nose dives from XXXX to XXXX over {$120.00}????????????????
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

My service with my bank makes me feel unimaginably scare to stay with company that is supplying my checks because they seem to not want me to be calm about me cashing or receiving my benefits of having XXXX bucks a week. The last time I cashed a check or even herd from my payee I want an added by a teller more than once and consent tell until I left the bank tryna make it back home. I am a XXXX XXXX XXXX  involved with a XXXX and can't be stable with out XXXX XXXX XXXX  being my payee. I pay I get some help and get the bank investigated or even my life back safe. Thanks
Consumer complaint received 2018-10-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Recovery Group (OR)

On XX/XX/2018 at approximately XXXX XXXX I was contacted by a representative at the number XXXX. I was never told the name of the company but was promptly informed that I owed a debt for a pay day loan. I was told 'the comapny XXXX XXXX was looking to pursue 2 separate charges. One for fraud and one for checks fraud '. I was skeptical because of the many phone scams that are currently going around and I had not yet been given the name of the company that was actually calling to collect said debt ( {$470.00} ). I eventually talked with a woman who claimed she was XXXX XXXX. I explained that I in no way tried to defraud anything at the time of the payday loan ( 1.5 years ago ) but that I currently could not make a payment within the 20 minute time frame she was giving me before I would be 'served by a process server '. I would need some time as currently all my money pays for my living expenses and child care. And that if my only option was to pay in 20 minutes or be served then I guess I would tell the same thing to the judge. XXXX XXXX then thought it was appropriate to tell me that, and I quote : 'Better have a really good car because I'll never be able to get a loan again ' as well as insinuate that I am an irresponsible XXXX year old ( like I don't know I have made mistakes ). She was incredibly unprofessional. I was absolutely shocked that this woman would be allowed to berate and harass customers on a daily bases. XXXX XXXX then hung up on me after I asked for her name and then supervisor. I promptly called back and made a complaint with this company. I will admit I talked with 3 other people at the company that were much nicer and were able to act in a professional manner. I also paid my account in full less than 1 week later and only then was I finally informed that the company is Global Recovery. I am still not 100 % convinced it isnt a scam as the XXXX I was given does not pull up any Credit Recovery company when ran. 
My complaints are with the company not clearly identifying themselves with an actual company name and with their unprofessional and rude employee XXXX XXXX who insulted and berated me over the phone.
Consumer complaint received 2023-01-22
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. (IN)

In accordance with the Fair Credit Report act XXXX account # XXXX, account # XXXX, account # XXXX, has violated my rights. 
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 166b A Creditor May not treat a payment on an credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-02-26
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. (MI)

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

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 2021-12-09
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$15000.00}
Consumer complaint received 2020-11-24
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: Experian Information Solutions Inc. (NV)

This is my 3rd complaint dealing with these credit bureaus and them not fixing the incorrect info and accounts on my report that are from identity theft and fraudulent. My whole identity has been stolen to the point that someone has been living as if they were me even filing bankruptcy in my name to start over and keep getting more fraudulent accounts in my name. I have gotten some of the stuff removed but there is still two accounts and the bankruptcy that remain. I filed a police report and identity theft report as well as sent the bureaus everything they have asked of me to verify it is me requesting this and still NOTHING. They even erased a credit card account that WAS actually mine but not the fraudulent accounts.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I show a bankruptcy on my credit report. I contacted the court and their response is enclosed. It is clear they do not report to any credit bureaus for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I have disputed with documents numerous times and this is affecting my credit