davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (TX)

In XXXX, XXXX credit cards and XXXX other loans ( I don't know if they were pay day loans or what kind of loans because I didn't open them ) were obtained in my name by fraud. 
I don't know who opened them. After much work, the XXXX credit cards and another loan removed their reporting because their investigation showed it was fraud and not my accounts. 

NCB, although the person I talked to said he thought it was fraud, they would not remove. 

I finally just negotiated a pay off with them to get it off of my credit report. I paid them for someone else 's fraud. 

I have a letter from them that they would completely removed the account from my credit report if I paid the negotiated amount. They haven't removed it. After some time they changed the reporting to show that I owed the amount left after I paid the negotiated amount. 
Now they show it has a XXXX balance but have not removed it from my credit reports as agreed in writing. I've attached the letter. 

No other creditors have been as shady and dishonest as NCB, They really are bad and should be investigated without regard to my complaint.
Consumer complaint received 2023-04-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (IN)

Hunter Warfield Inc. called my wife and me about a rental property debt. I submitted a request for confirmed proof of this debt on XXXX XXXX XXXX. The letter was delivered on XXXX XXXX  at XXXX XXXX  according to my tracking ( # XXXX ) from the certified mail receipt from the USPS XXXX I never received anything from Hunter Warfield and now this collection shows up on my Credit report.
Consumer complaint received 2023-04-06
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: TD BANK US HOLDING COMPANY (NM)

The following hard inquiries were made for credit cards without my consent, presumably by identity theft : XX/XX/2023, XXXXXXXX XXXX XXXX  XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (GA)

In accordance with the fair reporting act name XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX  XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX/ XXXX Account number XXXX, have violated my rights XXXX 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SELECT PORTFOLIO SERVICING IS STRESSING ME TO THE THE POINT OF XXXX WITH THEIR ILLEGAL ACTIVITIES. I AM AT THE END OF MY ROPE. 
i am almost XXXX years old and in XXXX XXXX. I own investment properties in low income areas in XXXX and XXXX, Florida and provide housing to mainly XXXX and XXXX families who have lived in my affordable rent housing for years. 
SPS IS FORCING ME INTO FORECLOSURE AND BANKRUPCY. THEY ARE ENSURING THAT MY TENANTS WILL BE LIVING ON THE STREETS ALONG WITH ME AND MY FAMILY. 

THEY ARE NOW FORECLOSING ON XXXX XXXX BACKED LOANS WHICH WERE IN FORBEARANCE DUE TO THE COVID-19 MORATORIUMS AND LOSS OF INCOME DUE TO COVID. 

THEY HAVE INCREASED MY MONTHLY MORTGAGE PAYMENTS ON ONE LOAN FROM {$1300.00} TO {$2700.00}. THEY LIED THAT I WITHDREW MY REQUEST FOR MORTGAGE ASSISTANCE ON THIS LOAN. SPS HAVE SERVED ME WITH A FORECLOSURE NOTICE. 
NONE OF THESE ACTIONS ARE ALLOWED BY XXXX XXXX UNDER THEIR PUBLISHED GUIDELINES. 

I fell behind in my mortgage payments on 8 loans serviced by SPS - Select Portfolio Servicing , Inc. 4 of these loans are XXXX XXXX backed loans. I am current with 3 of these loans and in forbearance with 5 ( 3 are XXXX backed loans ). 
SPS IS ONLY OFFERING ME REPAYMENT PLANS ON ALL LOANS WHICH WILL RESULT IN MY PAYMENTS ON EACH LOAN BEING MORE THAN DOUBLED. 

I NEED HELP QUICKLY. MY XXXX XXXX IS NOW XXXX UP FROM A NORM OF XXXX. I CANT CONTINUE ANY LONGER. ITS XXXXXXXX XXXX  AND THIS IS MY LIFE. NO SLEEP. I WILL HAVE A XXXXXXXX XXXXXXXX SOON. 
.
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NC)

In XXXX I was approved for a Amazon store card, without my permission Amazon changed my payment method from my debit card to the Amazon store card. On XXXX XXXX the Amazon store card charged my Prime membership to the store card for 2 months XXXX and XXXX so when XXXX came I was notified I was late making a payment on the Amazon store card, I contacted Amazon about the situation and after a lengthy discussion they refunded me {$27.00} but I was still penalized a late fee of {$15.00} which they are expecting me to pay by XX/XX/XXXX which I do not feel I should be responsible for the late fee due to that Amazon made the change without my consent.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Was put into collections by XXXX ( XXXX XXXX XXXX XXXX in Washington State ). 
Paid all arrears in full XX/XX/, no longer delinquent. 
Contacted both XXXX and Trans Union by phone in XXXX to have the collections from my report. 
It has not been removed and is hindering my Credit Score.
Consumer complaint received 2021-09-14
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: Experian Information Solutions Inc. (PA)

Experian is inaccurately reporting a collection account on my credit report which doesn't belong to me. This same account has been disputed with XXXX. XXXX investigated and deleted it. I learned of this erroneous inaccuracy on my account when my credit was pulled for a Mortgage Loan application. This erroneous report has negatively impacted my credit worthiness. Experian violating my consumer rights protected by the FCRA, 15 USC 1681b ( a ) ( 2 ) " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written consumer who it relates to. '' This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (IN)

1 ) Ordered item from XXXX. 
2 ) Item was hacked by someone in Georgia.

3 ) Notified XXXX that I did not receive the ordered item. 
4 ) XXXX reordered item. 
5 ) XXXX referred me to XXXX XXXX XXXX to buy a XXXX XXXX protection for my computer. 
6 ) Ordered XXXX with XXXX XXXX for {$290.00} for 2 years. 
7 ) On XXXX, I was contacted by XXXX XXXX stating they would credit my checking account {$390.00} for 3 years of XXXX XXXX protection. 
8 ) I cancelled the {$390.00} transaction because my contract with XXXX XXXX had not expired ( one more year to go till XXXX. ) 9 ) I filed a fraud complaint with my bank and your company.
Consumer complaint received 2019-08-27
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: National Credit Systems,Inc. (NY)

XXXX XXXX XXXX XXXX made up a dishonest bill after moving out as we were not present upon exiting. They claim the room smelled, which it did not. made a {$260.00} charge for a XXXX cleaning, but never mailed me a bill, for me to dispute, then placed me in collections for none payment. National Credit systems in Georgia put me in collections with out verifying that a bill was ever sent, in fact the copy they sent me has there own address on it. I was never contacted, never given a chance to dispute anything. XXXX   scams students not present at sign out, many kids we spoke to agree, some charges get dropped after seeing pics, Then they send Hundreds of accounts over to National credit systems whom do not verify the contact info, nor check accounts for proper procedure. And claim it does not matter, just pay it, as per XXXX XXXX, a collections rep. Told me he has thousands of these cases. They should never have marked a exceptional credit report with out contact, even thought the charge is a scam.
Consumer complaint received 2022-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (IN)

I had previously disputed this XXXX XXXX I never received a bill. After the dispute I called XXXX and told them at the time I had these services I didnt have health insurance. It was for the emergency room. I was in the waiting period for health insurance. I dont remember who I talked to. I explained my situation and told her I was now on Social Security XXXX and I had no way of paying this because I barely have enough money after my home, utilities and medication was paid for. I have applied for financial assistance through XXXX because of my financial situation. This account is 5 years old and I was under the impression they were going to take it off my report. I sorry if I wasnt supposed to file a complaint because I wasnt able to file another dispute.
Consumer complaint received 2022-04-30
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. (FL)

I have XXXX XXXX XXXX showing a negative payment in XX/XX/XXXX. This account was closed in XXXX of XXXX, and was never paid late. The payments were deducted from my payroll weekly and the support order was terminated due to shared custody. 

I have disputed the item numerous times and sent the payment history to Experian. It still has not been corrected on my credit report. 

I have attached screen shots from Experian, and a copy of the payment record from XXXX County Clerk of Courts.

Thank you, XXXX XXXX
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

Chex System is reporting information on my report that was not initiated by me and I did not apply for credit. There is an account from XXXX XXXX bank being reported on my report and I have called XXXX XXXX bank, left messages and no one has returned my call. Chex System is continuing reporting this account. 

Also, there are inquires showing on my report that wasn't made by me and I'm asking Chex System to delete these inquires. 

There is also two accounts being reported by XXXX  XXXX  XXXX. Both accounts is showing the Closure Status date as XX/XX/2021 which is incorrect. Also, the state for these accounts is blank and being reported in error. I would like both these accounts deleted from my report as Chex System is reporting these two accounts inaccurately.
Consumer complaint received 2022-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I am filing a billing error dispute against Capital One Auto Finance for failure to deliver periodic statements to my address on file for the months of XXXX and XX/XX/2022. Per my phone conversation with Capital One Auto Finance 's representative ID : XXXX on XX/XX/2022, Capital One Auto Finance did not send me a statement between XX/XX/2022 and XX/XX/2022 causing me to receive a Notice of Default in the amount of {$820.00} with late fees. My concern is that Capital One Auto Finance has already reported me to a Credit Bureau and thus negatively impacted my credit score.
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am having an issue with XXXX XXXX credit card. They are reporting inaccurate information to the credit bureaus. I am applying for a mortgage. Had a 3 way call with XXXX. The balance on my report is over XXXX XXXX  was verifying my account on a recorded line. They stated that there is a contract agreement between us. In which my balance at that time was XXXX. The contract I was to pay XXXX in XXXX by the XXXX. In which they got on the XX/XX/XXXX. They stated that from XX/XX/XXXX to XX/XX/XXXX was 30 days late. Then told XXXX  that from XX/XX/XXXX to XX/XX/XXXX that was a late payment. Even though it was not 30 days and the agreement was started on XX/XX/XXXX. They then marked all there bureaus late 30 days. They then for XXXX marked me 60 days late even though they got both payments. One for the XXXX and XXXX payment that is according to the contract. They in fact told XXXX  that my balance at that time was XXXX but stated the credit bureaus will not be updated to reflect the current balance which was lower then the current amount. The lady from XXXX  XXXX got upset talked to her supervisor about the account. Acted like they had no idea who XXXX  was and at one point tried to lie and stated even though there is a contract they do not have to update the credit reports. I stated on the recorded line so you are refusing to update my credit report to show the real balance they stated we don't update the account to show that unless the balance is paid fully. XXXX  stated that according to the fdcpa and fcra they must report accurate information. The person on the phone was refusing to deal with XXXX. So after we hung up I filed a report with them for fraud. They removed it and sent a message to XXXX  and Transunion. So XXXX  and XXXX  removed it. But Transunion is refusing to remove it even though XXXX  sent that message and told them they are not providing accurate information and they should remove that account as they and XXXX did. They are still on Transunion and I can not get them to remove the account nor have them update the account according to the payment that was agreement. XXXX  stated if I get an attorney they would be able to request the phone recording. Stated they should not be on my report. But because of the late payments they posted even after the agreement the credit score is being ruined and I am now unable to get a loan. The XXXX payment is not due till XX/XX/XXXX and I paid it early but they still reported me as late and my score keeps being damaged.
Consumer complaint received 2018-02-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

In XX/XX/XXXX I reached out to a company federal assets solution to work out a loss mitigation plan during that whole process the lender did not contact me and I was never appointed a single point of contact, all updated information was coming from federal assets solution of the Lost mitigation process.XX/XX/XXXX I personally started getting in contact with the lender. I submitted a loss mitigation packet my real estate broker submitted a short sale packet it was confirmed by the lender that all packets have been submitted and completed. Lender is in violation for continuing and moving forward with a foreclosure trustee sale date XX/XX/XXXX. Section 2924.11 prohibits recording a note of sale for conducting a foreclosure sale upon receipt of a complete application for a foreclosure prevention alternative starting XX/XX/XXXX the Dual tracking prohibition applies to all application for all foreclosure prevention alternatives.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax has failed to delete the inaccurate information from my credit report. The alleged Account XXXX is inaccurate Equifax Received my dispute on XX/XX/XXXX stating that the alleged date of the first major delinquency reported is inaccurate the alleged date of the first major delinquency is XX/XX/2018 is contradicted by the payment history calendar which shows that I made payments on XX/XX/2018 and XX/XX/2018 which means the alleged date of first major delinquency is inaccurate. Equifax responded XX/XX/XXXX stating that the alleged account was verified as accurate by the alleged data furnisher yet shows the same error. Title 15 1681e. Compliance procedures ( b ) Accuracy of the report specifically states- '' Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Equifax failed its duty as a credit reporting agency by furnishing this inaccurate account on my consumer file
Consumer complaint received 2020-01-26
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)

To Whom It : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2018-02-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I called in and ask them what bank and account number to the check was cashed into and they would not give me an answer which is something that the bank would have. They are not providing me with any Bank information which is pertinent to knowing who took the money out of the account and where the money went into
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have been trying to get the people that work at Equifax to remove all of these negative entries off of my credit report on multiple occasions throughout 3 to 4 years. I have sent multiple letters to them asking them to validate the debts. In order for a debt to even be legitimate and added to a credit report they need to have the original Contract that both parties signed which will prove that the debt is legitimately mine. They have not done this at all. 

The people at the company refuses to send me anything I have asked for. They just continuously send me the same thing over and over again. They are fraudulently keeping this entries on my report and I have no idea why. I have told them that there is NO contract that exists for any of these. They know there is no contract that exists but they still repeat the same process with me in a cycle and they are making me waste money and resources re-sending them documentation and letters to have them validate something they know they can't validate instead of just removing the entries. 

Again I know there are no contracts that exist and they know there's no contract or else they would have provided one. So I wish they would stop making me go in circles and just remove the entries.
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (GA)

Opened a secured credit card at XXXX XXXX with XXXX $ limit in XXXX. Soon after I moved away from the college I was attending and lost/ forgot about the secured card. It showed up on my credit in XXXX. Which I paid in full. The associates I spoke with agreed to delete the account entirely as it was secured and paid in full. I have Called XXXX XXXX, all XXXX credit monitoring companies and it will be deleted then pop right back up. This XXXX $ card needs to be removed as promised