davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
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. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a copy of my credit report and found there is a bankruptcy reporting on my credit. I have never filed for bankruptcy and request that you have this removed from my credit report.
Consumer complaint received 2021-08-16
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: Experian Information Solutions Inc. (TX)

My child support payments are current and the TX XXXX of Attorney General is continuing to report me as 180 days past due. I have ONE payment that is only 15 days late. I asked Experian to dispute the report. They did ABSOLUTELY NOTHING. I will not sit on the phone for 45 minutes waiting to explain this to anyone. Experian has failed me. They are obviously more concerned about selling their services than actually performing services. 

This is not right and I want to see the TX OAG investigated for improperly and inaccurately reporting to credit report agencies. They are financially damaging thousands of people no doubt, and this needs to be publicized. At minimum, someone needs to alert them about their false reporting, and lets hope it gets their attention. Their state employees are inadequately educated and incompetent. They have no regard for accurate records. Child Support payments shouldnt even be reported to credit agencies to begin with. I am absolutely infuriated this nonsense.
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

Notification of any unpaid balances was never conducted upon conclusion of the lease. XXXX XXXX XXXX did not contact us by phone or email. All lease and utilities were paid in full before turn over. It was over a year later that a third party sent notification of a debt.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Synovus Bank (NM)

I applied for the First Progress secured credit card on XX/XX/2021. I was told that I was approved and that I needed to either make a {$2000.00} dollar deposit or send {$29.00} for them to process the card and then after I receive it then make the deposit. I decided to pay the {$29.00} After three weeks of not receiving my card I contacted First Progress to find out about the status of my card and ask why I did not received it yet. The customer representative told me that the reason was that I needed to send a copy of my drivers license and a copy of a utility bill, to which I said that I was ready to do. I asked if I should email the documents or send them by regular mail. The customer representative told me that I had to fax them, however she stated that it was to late already and that I needed to re-apply and paid an extra {$29.00} I asked to speak with a Manager since I felt that what was going on was totally unfair. I spoke to a Manager and explained the issue. He told me that in deed I had to reapply and pay an extra {$29.00}, which I told him it was absolutely absurd. First, they never told me about the extra paperwork and second they wanted me to pay more money. I mentioned to the Manager that it stated in their fine print that if I was to be denied for whatever reason I would get my money back. He said : Im sorry, but if you want your card you have to re-apply and pay an extra {$29.00} Totally unfair. This people are thieves.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The recent Equifax security breach has put myself and millions of others at risk. Their negligence has cost me time, security, money, and peace of mind. Not even freezing my credit is enough to protect me. This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

In addition, very little was done to notify the public for nearly a month after the breach. No email, letter, or phone call was sent out and instead I found out about it via social media. Equifax handled reporting this breach very unprofessionally.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

On this account XXXX XXXX XXXXXXXX there To Whom It May Concern, First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit card information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last- time error on my part, and I ensure that this does not happen again. I would really appreciate if you would kindly understand my situation and excuse me for late payments ). I am asking your company for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out Universal Data Form and faxing it to the credit bureau ( s ) that you report to.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Received notice from Equifax account had been compromised. went to site 2x, filled out form. received tag saying link would show up w/in two days. Nothing. phone number on site was dead. dug around, on XX/XX/XXXX called XXXX '' XXXX '' answered. got same line of " please be patient. '' when pressed he ADMITTED Equifax did n't know IF it would-or when-be ABLE to provide the services promised.
Consumer complaint received 2024-03-17
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI (PA)

I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This company General Revenue Corporation has made a willful violation of the FDCPA. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). And they further violated the act by reporting a duplicate of this false information. I demand that this agency provide proof that they have sent me a notice with a certified green return card and verify this alleged debt by answering the attached dispute. If they can not provide the certified green card showing that they sent me the notice before they started reporting and the verifying information requested in the attached dispute letter then I demand that this company cease all reporting immediately.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (TX)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belong to me without providing proof as requested. This is causing me great stress and if this is not fixed asap I will be suing ALL.
Consumer complaint received 2023-01-24
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. (CA)

I filed a disputed that the credit report company quickly responded stating a duplicate outdated debt will remain. After escalating the matter, the credit responded stating the debt is no longer collectable and pass the legal statue of limitation. 

However, this duplicate outdated debt that the creditor stated they " legally '' can no longer collect due to it being past statue of limitations still remains on my credit file with XXXX. The credit reporting company REFUSES to remove this invalid information from my credit file, knowing it is a violation, nor have they added a statement saying the debt is past the legal statue of limitation per law and creditor response. The creditor stated they can NOT assist because it is a credit reporting company issue and not theirs.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. I always make my payments on time.
Consumer complaint received 2019-03-05
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. (AZ)

ALL OF THE ABOVE- focus now is on old info that never goes away. 2- info that is reposted to make me look bad. further with statements of pure libel- that read " too many inquiries '', " massive delinquincy '' - make attempts to extort the consumer to no end. My ID was stolen- reported to XXXX and XXXX sherrif , and XXXX FBI XXXX No credit bureau will accept communications from these agencies- demanding I provide the internal case information. I don have access to FBI internal systems- or i would be investigating multiple leads right now, myself. 

When I moved here 6 mos ago- they read " data unavailable for new credit ''. Now they read worse then " serious delinquincy. '' I owe nobody. ALL ACCOUNTS ARE DISPUTED IN FULL- I have the right to not pay accounts and still have them removed. NO BUREAU HAS COMPLIED since initial proceedings over 12 mos ago- and when they comply its for 6 mos at a time- then the old info shows up again. 

The laws are rigged against the consumer to collect damages due. I should not be forced into payments for debts I can legally dispute in full, like a lemon XXXX XXXX that XXXX DID NOT and WILL NOT fix. XXXX refuses to collect the info from XXXX  XXXX XXXX who serviced the car, and refused to fix it. Then XXXX refused to remove the loan -or pickup the car. XXXX resells the data to itself under multiple trade names. 

A rising cr score indicates that not only are these account reports slanderous- but dated and resold. I can not establish new credit whatsoever due to this blasphemy being resold to merchants- but hidden from me.
Consumer complaint received 2022-04-07
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. (GA)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2020-12-08
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. (LA)

Over 30 Days today since Ive sent documentation on XXXX regarding to those unknown and inaccurate accounts on my credit report but I haven't received any reply. I was a victim of Equifax Data Breach. I want all those account will be remove to my credit report or I will file a litigation.
Consumer complaint received 2017-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pro Com Services of Illinois, Inc. (IL)

We received a bill from XXXX XXXX in XXXX IL regarding a medical bill for visits. We eventually paid this amount using a XXXX/XXXX account. In or around XX/XX/XXXX we received a note stating the bill was sent to collections and we had 30 days to dispute. I immediately called Pro Com Services of Illinois Inc. and stated that I was disputing the validity of this debt because it was paid. The representative told me to get the dates of payment and she would check with the original debtor. She advised that she would contact me back. Assuming that valid or invalid we would receive at least a decision letter, I forgot about the debt completely after not hearing about it for months. Finally in XX/XX/XXXX while attempting to get pre-qualified for a home we found out that they had reported it to the credit bureaus the day or so before. The XXXX/XXXX provided the following information as well : Check XXXX was paid on XX/XX/XXXX and cleared the bank on XX/XX/XXXX in the amount of XXXX.
Consumer complaint received 2023-07-21
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. (GA)

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 2021-06-22
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: EQUIFAX, INC. (MI)

There a Hard inquiry that I did not authorize on my account that needs to be removed immediately, Also there is a Utility bill that is unauthorized on my account, that keeps reappearing, after it was deleted
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I requested and received a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX ( XXXX ). The XXXX loan was approved and received by the mortgage servicer, GMAC Mortgage. The day before the Sale Date, GMAC Mortgage refused to accept the reinstatement monies that had been electronically transferred via XXXX computer system. GMAC claimed they required seven ( 7 ) days to reinstate my mortgage, and XXXX XXXX XXXX XXXX XXXX approval process left them with only five ( 5 ) days to reinstate my mortgage. California Law requires only four days, and XXXX California maintained that GMAC 's failure to accept the moneyparticularly the day before the sale datehad theretofore been unheard of. I called and talked with my loan 's investor, XXXX XXXX, and was assured my home would not be sold with an approved XXXX XXXX XXXX pending. 

My house was taken by GMAC on the courthouse steps XXXX XXXX, 2012despite XXXX XXXX 's assurances to the contrary. 

I then sought to get the sale reversed through the courts. GMAC had declared bankruptcy, so the lawyers attempted to regain my home for me through bankruptcy courts in New York. The New York bankruptcy court handling the GMAC bankruptcy refused to hear my case. They took my home without precedent, hearing or accountability.
Consumer complaint received 2017-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I do not have a contract with ProCollect Inc. Would you please provide me with a contract that I have with your company with the alleged debt you purchased and how much it is for? I have already filed a company with the Better Business Bureau & with the Texas State Attorney General. I would also like to know if your company can legally collect debt?
Consumer complaint received 2019-03-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On Friday XX/XX/XXXX I made two attempts to reach someone at online banking when I attempted to change my " pay from account '' list under Bill Pay. I was on hold in excess of 20 minutes each time. On Saturday XX/XX/XXXX at the branch I asked for assistance and was told I had to call online banking. Later that day I called XXXX again a 20 minute wait. I spoke with XXXX XXXX ( XXXX in the survey that was sent to me ). 
I reviewed my issue with the agent and requested that for my XXXX I wanted the Pay From List be changed to ONLY reflect my checking account ending in XXXX. He implied he was making the change as we spoke and indicated it would not be reflected for 24-48 hours. This made sense to me because I assumed it would go through batch processing. It's been 48+ hours and the changes have not been made. 
I am using the CFPB route for assistance me, as I understand it from XXXX, the bank has an online banking center in Arizona that is not working due to " something '' and they are down 100 agents so wait times are excessive. 

Assuming the agent took care of my request I responded affirmatively in the survey - those positive responses for XXXX are retracked. Perhaps waiting 48 hours before the bank sends a survey makes better sense so that customers can respond based on the bank doing what it said it would do.
Consumer complaint received 2017-07-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

When I was struggling to repay my loans from XX/XX/XXXX - XX/XX/XXXX, XXXX XXXX/ Navient representatives repeatedly suggested and applied forbearances to bring my account current or postpone payments without offering income-based-repayment options that could have saved me more money and helped me pay off my loans sooner. Those forbearances benefited XXXX XXXX/ Navient monetarily by increasing my loan amounts drastically. I should have been offered income-based-repayment options instead of continuous forbearances.
Consumer complaint received 2019-03-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

On XXXX they had sent me my escrow analysis, when i had gotten it i had realized there was a {$460.00} overage i had called customer service plenty of times only to be told that they would adjust my account and call me back and no one ever follows up or ever calls me back. This is really very unprofessional and not wright i have even spoken to managers there who had promised to follow up with me only to be left hanging there. 

Bank is Flagstar Bank XXXX my loan file XXXX
Consumer complaint received 2017-07-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (ND)

My husband opened up 2 accounts with netcredit.com {$18000.00} and {$10000.00} because he needed money to pay bills and was n't communicating with me. We have since started XXXX XXXX XXXX XXXX and I have taken over the finances. We are not able to pay either of these loans back because they are at a 40 % interest rate. The payments were coming out of our checking account automatically and when I tried to get netcredit to change it for one of the loans, they asked for statement information on the other account that I was going to have the payment come out of. As that conversation went on I was told the interest rate and that there was no changing it. This company opened up two accounts for my husband without adequate identification since he was able to open one of the accounts with my information.