davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
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. (CA)

I applied for a credit line increase or loan to pay down an existing credit line at a lower interest rate on XX/XX/2020 and was denied both because in my Experian credit report, XXXX had reported the periods of pandemic relief as delinquency. I contacted my XXXX XXXX account services by phone and was told this was the reason I wasnt approved. The person I spoke to was ignorant about pandemic relief for student loans through President Trumps Executive Order. I told them that adversely impacting credit scores during the pandemic was wrong. 

XXXX has a history of wrong doing and has continued to harass people with student loans during the pandemic. XXXX was sued by CA, Washington and Illinois for pilfering and bamboozling XXXX XXXX dollars on excessive interest fees and late charges from people with student loans. Ive been getting harassing phone calls since mid XXXX from them because they dont recognize Trumps executive order as lawful. I cant change what XXXX reports to Experian through Experian and have complained to Experian through customer surveys after requesting my credit report from them. Ive received text SMS messages from non listed phone numbers that are telling me my credit has been approved or increased after complaining to Experian ( an illegitimate attempt to imply my credit report has been fixed ). XXXX is approved by the IRS as a fiduciary but I dont believe theyre acting like one. Theyre acting more like a predatory lender of student loans and now its impacting my credit report/score so I cant have more of a financial cushion during the pandemic. How can I fix this issue when the people who have the reports, like Experian, wont recognize the lender as a non fiduciary impacting peoples credit scores? My own bank says that they dont have anyone that can override Experian reports on the decision to increase credit or give a low interest loan to pay off credit. I think this is totally unfair, illegal on XXXX part and detrimental to peoples financial well being during difficult financial times.
Consumer complaint received 2020-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (GA)

In response to my complaint filed on XX/XX/20 Commonwealth Financial Systems continues to be very deceptive and is now using stall tactics. 

According to XXXX XXXX, Legal/Compliance Dept a search of their records failed to identify a record linked to my name and address provided. She also stated that she would need my birth date and the last 4 digits of my social security number. 

Now what I find very strange is that I have never spoken to anyone from this company, never received a dunning letter from this company so, therefore, I never provided my birth date nor the last 4 digits of my social security to this company before they placed this account on my credit reports. 

So if I have never spoken to a representative from this company to confirm my birthdate and last 4 digits of my social security number then how is it that your company placed it on my credit reports? How is it that now you claim to not being able to locate a record with just my name and address? 

Also in my complaint, I also provided the account number from Commonwealth Financial Systems that was used when the debt was placed on my credit file. So how is it you can't locate my file? 

Please see the attachment of my current generated credit file from XXXX and XXXX as of XX/XX/20 that shows Commonwealth Financial Systems placed a collection on my reports which also show the account number!

So evidently this company does not need my birth date nor my social security number to locate my file because they have already placed it on my credit reports.

Furthermore, all of a sudden I received a call from Commonwealth Financial Systems today XX/XX/20 right before they provided their response so obviously, they can locate my file with my name and they continue to blatantly lie! Please see the attachment which shows the missed call from Commonwealth Financial Systems.

As this company has already violated my consumer rights by placing this frivolous debt on my credit file without sending me a dunning letter and giving me the option to dispute and question the validity of this debt, violating the Fair Debt Collection Practices Act and also not being in compliance with the Metro 2 reporting System. I will not hesitate to file a lawsuit against Commonwealth Financial Systems.

I have all the evidence to back my claim!
Consumer complaint received 2021-05-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I have been a customer with USAA since being activated after events ofXX/XX/2001. Since XXXX I have utilized many of USAAs products, such as car purchase, insurance, credit card products, and HELOC. I have never been late and all my accounts have been paid off and in excellent standing. 
In XXXX of XXXX, I contacted USAA regarding ( 2 ) accounts ( HELOC and Credit Card ). I explained that I was experiencing a XX/XX/XXXX hardship and my return to work and medical leave time available was unknown. I requested a forbearance for both accounts. After many letters and phone calls, I was told that USAA was not offering any relief for members. Then in XXXX of XXXX I was told that the only option available to me in regards to the HELOC was a short sale or settlement. 
I provided USAA all the documentation requested for a settlement so that I may just focus on my health and not collection calls. Today I was told that Settlement was declined due to equity in the property. I am so disappointed in USAAs decision practice of seemly asking a member to sell their home. I understand that foreclosure or bankruptcy proceedings are on hold, but why would USAA not provide its members other options. 
I am requesting an appeal of USAAs decision to deny the settlement of the HELOC account and the removal of the late payments reported to the credit bureaus by USAA since I first notified of the medical issue. 
I cant make the monthly HELOC payments and unsure of how long my XXXX will last, but I am willing to borrow from family and an active duty TSP account for the peace of mind of not having monthly collection calls from USAA. At this time in my life, I need to focus on my health and XX/XX/XXXX options. 
I have been a very happy customer in the past. I joined USAA while on XXXX XXXX because USAA had a reputation of servicing the men/women of the Armed Forces. As a veteran, I hope to continue a long relationship with USAA. I respectfully ask for a re-consideration of the USAA HELOC settlement and the removal of the late payments reported to the credit bureaus by USAA since I first notified of the medical issue. 

Sincerely, 20 year Customer of USAA
Consumer complaint received 2018-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XX/XX/2016 This account is showing up negative on my XXXX report. Please make them verify whatever they are reported on my account. 

XXXX XXXX XXXX XX/XX/2016 XXXX XXXX  XXXX XX/XX/2016 XXXX XXXX XXXX XXXXXXXX XX/XX/2016 This is a charged off account. Why is it on my credit report. I need proof of the original contract if they think it is my account. 

XXXX XXXX  XXXX XX/XX/2016 This is a charged off account. Why is it on my credit report. I need proof of the original contract if they think it is my account.
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. (TX)

Complaint Regarding Auto Repossession Incorrectly Reported on Credit Report Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint concerning the inaccurate reporting of an auto repossession on my credit report, which I believe violates the provisions outlined in 15 U.S. Code 1681 a ( 2 ) ( B ) regarding exclusions from a consumer report. 

Recently, I discovered that an auto repossession was listed on my credit report. However, this repossession should be excluded from consumer credit reporting under the aforementioned code due to the use of my Social Security card in the transaction. This exclusion applies to any credit transaction wherein a Social Security card is utilized. Violation of Exclusion : Despite the exclusion provision, the auto repossession was inaccurately included in my credit report, which has had adverse effects on my creditworthiness and financial standing. This inclusion violates the protections afforded to consumers under the Fair Credit Reporting Act ( FCRA ) and undermines the integrity of the credit reporting system.
Consumer complaint received 2021-07-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

So after filing a complaint with the CFPB, Loancare/ Lakeview LLC reached out to me concerning the issue we previously had RE : # XXXX. 
Silly me, I close the complaint and write a glowing review of how Loancare/ Lakeview is working with me to resolve the issue. Fast forward, I'm sent a loan modification approval. It just needed to be signed, notarized and returned. The mailing date on the XXXX envelope they sent was XX/XX/2021. We signed the agreement and returned everything in the return envelope they provided. 
The following day I receive a letter in the mail stating my loan modification was denied. This was also dated XX/XX/2021. Are they playing games? Was this some kind of clerical glitch? I call Loancare they claim they have no record of said agreement being approved or mailed to me. I mention the attorney 's name on the envelope. " No one by that name works with us '' huh? I keep all my papers so I scan everything to them including the XXXX envelope it came with along with my receipt for the return mail. No response. I call again and they still don't acknowledge agreement but they now require even more documentation even though these are the same documents I've sent numerous times. Basically I got the run around but if someone took the time to draft an agreement why can't anyone care enough about their job and actually look into what's going on? 
Keep all of your papers when dealing with Loancare/Lakeview but unfortunately it still won't matter to them.
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. (MI)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$4400.00} XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2023-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (IL)

This debt was charged to me by XXXX. It was covered 100 % by my XXXX  XXXX. I turned it into my Benefits Rep at XXXX. He found that the Doctor coded the procedure wrong. I then called XXXX and they gave me the proper code that it needed to be changed to. So, I called the XXXX Doctor and told him the problem. Nothing got done on there end. I repeated this back and forth with XXXX and XXXX for about 8 months. Finally after hours of phone calls, my Benefits Rep stepped in and made the calls. He was told that it was resolved and now years later it is not again.
Consumer complaint received 2020-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE ACCOUNTS. I ORIGINALLY SENT IN MY DISPUTE LETTERS ON XX/XX/XXXX, TODAY IS XX/XX/XXXX AND THE COMPANY HAS FAILED TO RESPOND OR REMOVE INACCURATE ITEMS.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (TN)

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with COMMONWEALTH FINANCE with a balance of {$900.00} and an original creditor of XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Consumer complaint received 2021-05-31
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. (TN)

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX XXXX with a balance of {$880.00} and an original creditor of XXXX XXXX PHYSICIAN. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Consumer complaint received 2020-09-09
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC (TX)

1. On XX/XX/XXXX, I borrowed {$420.00} from XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX account to XXXX XXXX {$330.00}. Never company tried to collect as evidenced from Credit Reports. 
2. XXXX XXXX sold account to William Rush and Associates ( amount unknown ) 3. Williams Rush reported to Credit Bureaus XX/XX/XXXX. 
4. I contacted XXXX on XX/XX/XXXX to inquire, why they had the account, and that I had not received any notice from them. 
5. I received telephone call from Ms. XXXX, and although I had questions about the amount owed, I offered to pay 1/2 of the debt in order to reverse the 61 points decreased from my credit score. I  stated that this was a one time offer, and I was not in the mood for Debt Collector games ( this money was coming out of my social security check ). Ms. XXXX stated that she would check with the original creditor to get ok. She then call me back about a week later and indicated the original creditor denied my offer. ( Game number one ) 6. On XXXX XXXX I mailed letter requesting original documents verifying the amount owed etc. ( see enclosed letter. ) 7.  The attached documents show I paid a total of {$580.00} to XXXX XXXX. This proves the original amount borrowed was paid, if they are now claiming interest etc. I need to see the original documents signed by me authorizing such an amount.
Consumer complaint received 2021-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (IL)

Greetings, It has come to my attention that I allegedly owe {$660.00} to Paramount Recovery Systems for a debt owed to XXXX XXXX XXXX XXXX updated XX/XX/XXXX on XXXX XXXX account. I have XXXX since atleast XX/XX/XXXX with RIN # XXXX. I started with XXXX XXXX XXXX and have been updated to XXXX XXXX. At this time, I am requesting that this be removed from my credit report immediately for it is illegal to charge the patient when I had coverage at the time. I presented my coverage information at the time of service. The issue is with the individual who was supposed to process my insurance payment on behalf of XXXX XXXX. The number to XXXX is XXXX. I petitioned this about 6 months ago and it was removed immediately by XXXX XXXX XXXX XXXX. I am lost about how it can be bought by another company.
Consumer complaint received 2021-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I never received a letter from the company, and when disputing and asking to verify debt. The company did not do to so and denied my dispute all together. I called the company and they didnt even verify who they were speaking to, the representative response was we have your number thats how we know who we are speaking to. I then explained to them that anyone could be calling and pretending to be me and you are just willingly giving my information out. They then said they doubt that will ever happen and theyve been working in collections for 4 years. I said their should be certain verification points in tact. The rep still denied that no one else would ever call for me and asked me to settle the debt. I explained to them that I wanted more validation debt and if it is my debt I can not do much because of my financial hardship because of a medical issue, he then asked what could I do. I asked for validation before any settlements and they said they could not do that.
Consumer complaint received 2021-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (HI)

I took this loan out of {$3000.00} when I was desperate and needed it to pay rent or be evicted. The interest rate was % 167. When I took the loan out I asked if I could pay off early with no penalty and was assured this would be the case. I paid the loan on time as agreed but when I called and asked to pay it off early they lied and did something shady but I cant quite figure what they did. I received a notice from the IRS stating they claimed a loss and that I owe the irs now {$600.00}. I never asked to settle the loan and was never 1099d. I just asked what the pay off amount was. I paid it off and now being charged again.
Consumer complaint received 2021-10-21
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: JPMORGAN CHASE & CO. (IL)

Today ( XX/XX/21 ) I checked the " Social Security activity '' option for my " Credit journey '' within my Chase bank account. I noticed that an individual I have never met had their name and addresses under my social security number. 

I read that this person had begun their activity under my SSN on XX/XX/21 and had address updates under my SSN on XX/XX/21. 

This is the only activity I have noticed.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATIO XXXX
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with RADIUSGLOBAL plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed  : {$490.00}
Consumer complaint received 2018-03-02
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: Experian Information Solutions Inc. (OH)

I am continually being called on the telephone from XXXX firm over an alleged {$510.00} debt. I was under the impression Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt.I have fulfilled this balance with two different agencies and I still do not see a update in status. I request this account be deleted because it is not accurateFCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Complete payment history, the requirement of which has been established via XXXX vs. XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Intimate knowledge of the creation of the debt by you, the collection agency Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.