davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mid-Minnesota Management Services, Inc. (MN)

These people called me a lot in the beginning. I didn't know I could negotiate with them to reduce the debt. I repeatedly told them that I could not afford to pay more than {$50.00} a month and they would not accept that from me. It was not good enough for them. So they kept calling. I finally had a little money left over after I got paid one month and I paid {$100.00} on the debt. Then they agreed that I could pay {$50.00} a month after that, but wanted me to start that right away ... even though I just paid them {$100.00} and I told them I needed some time to be able to make another payment. They set my due date at the XXXX of each month, but to be honest I can barely afford to pay the {$50.00} even. I have to pay for gas for my car and for groceries on credit cards because I don't have money left over after I pay my regular monthly bills. This website says that I should not be paying more than I can afford and I feel like this company " bullied '' me into a payment plan that I really, honestly, can not afford. I just paid them another {$50.00} today because I'm tired of them calling me and now I have {$30.00} left in my checking account until I get paid again on XX/XX/26. Obviously, that is NOT going to last for two weeks and I'll be forced to increase my credit card debt to make it through the next two weeks. Not once did this company even offer to settle this debt for a smaller amount and for someone like me who repeatedly tells them how tight my finances are, I feel like they should have offered me a smaller amount and let me do a smaller monthly payment. Also as it relates to the original debt, I made a partial payment to XXXX when they sent me a bill in the mail. I never once heard from them again on this bill/debt so I thought that maybe the waived the rest ( as many other facilties have done with bills ). Then all of a sudden this Central Resources company is involved and XXXX tells me they can't speak with me no more about the bill/debt. They didn't ever offer me any option to apply for a reduced or waived balance either and they should have! They never communicated with me after I made that partial payment to them.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in multiple letters on XX/XX/2020 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2020-05-05
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. (NY)

On XX/XX/2020 I sent Transunion, XXXX, and XXXX FTC Reports and FCRA 605B letters to substantiate my disputes against fraudulent activity on my credit reports, but have been repeatedly ignored.
Consumer complaint received 2020-05-05
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX {$580.00} XXXX XXXX XXXX   XXXX  XXXX {$4000.00} XXXX XXXX {$630.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00} DPT EDXXXX XXXX {$4000.00}
Consumer complaint received 2020-05-17
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. (AL)

I have submitted several disputes on behalf on my account with XXXX XXXX. There are two late payments for XX/XX/XXXX and XX/XX/2019. Equifax corrected the error then they put it back past due 30 days after a week. I am confused as to why they are manipulating my credit profile. XXXX XXXX has also submitted two-three disputes on my behalf to correct these errors and the mistake has gone uncorrected. This needs to be fixed because this account has never been late
Consumer complaint received 2023-01-31
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2020-05-05
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX {$580.00} XXXX XXXX XXXX   XXXX  XXXX {$4000.00} XXXX XXXX {$630.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00} DPT EDXXXX XXXX {$4000.00}
Consumer complaint received 2020-07-21
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. (TN)

XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$2900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID for identification purposes so the bureaus will investigate my complaint. ) I had GAP Insurance and all outstanding balances due were covered. ( I have attached a copy of my GAP paperwork for reference. ) The statement break down is as follows : Scheduled Loan Balance at Date of Loss : {$15000.00} Plus interested earned : {$19.00} Less Net Insurance Settlement : XXXX {$9600.00} ) For a TOTAL GAP payment of {$5400.00} Clearly the GAP payment more than covered the {$2900.00} that the bureaus are currently reporting. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2020-05-17
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. (GA)

There are several errors on every account that were not fixed or deleted by Transunion. This is a violation of my FCRA rights. I will attach supporting documentation.
Consumer complaint received 2020-09-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Debt Recovery Solutions, LLC (AL)

I was harassed about this debt with XXXX XXXX. I was called and told I would be arrested for committing bank fraud if I did not pay the debt immediately. Under a lot of stress and a bad financial situation, I paid the debt that they said I owed. As a part of the negotiation, they agreed to delete the debt from my credit reports. The collection activity is still showing on my credit report. This company should seriously rethink their collections tactics.
Consumer complaint received 2020-07-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Please help!! My name is XXXX XXXX and I obtained a mortgage with XXXX XXXX in XXXX of XXXX for {$140000.00}. It was sold to XXXX XXXX where a remodeling cash-out occurred increasing the balance to {$180000.00}, then sold to Bank of America when the balance was {$170000.00}, now XXXX with a current {$220000.00} balance. 
My current complaint is with Bank of America who purchased the mortgage for {$170000.00} in XX/XX/XXXX. Due to a hardship, I missed payments and also filed bankruptcyXXXX  XXXX, my balance was XXXX at that time. 
Bank of America completed a loan modification in XXXX of XXXX when my balance was {$170000.00}. 
At that time a " misc ' posting was listed in the amount of {$18000.00} on XX/XX/XXXX increasing the balance to {$190000.00}. Then there was a " principal adjustment '' posting of {$32000.00}, also on XX/XX/XXXX increasing the balance again, totaling a new balance of XXXX XXXX.Additionally the terms of the mortgage was restarted at 30 years after 12 years of payments. 
Not only did this modification make all payments for 12 years ( since XXXX ) null and void, it also increased the mortgage by {$51000.00} which does not include any cash-out, this " new money '' is all noted as miscellaneous and adjustments. This resulted in an upside down mortgage and me starting over with no credit for previous payments or decline in years of payments completed.
Consumer complaint received 2017-08-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I 've made payments to my home equity line of credit ; however the lender does not reduce the interest first - they only apply the amount paid to the principal. This enables the bank to accrue more interest and increase the amount of the loan on the back of the customer. When I sought a response from the bank, the response was that no payment was due. However, interest continues to accrue ; so by me making a payment and the bank not applying the accrued interest, I am being charged additional interest despite my paying a monthly payment.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (AZ)

XX/XX/2019 I received a XXXX XXXX financial card from Comenity to pay for dental work. They stated no interest for XXXX with a minimum monthly payment. Only to find out that the no interest is dependent on paying meeting a bench mark at XXXX  months and again at XXXX  months. The minimum payment wouldn't even be close to hitting those marks so the penalty is being hot with all of the interest for the entire duration of the loan even though consistent monthly payments are made.
Consumer complaint received 2021-04-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (TX)

I have tried to get NFCU to remove a debt from my records with NFCU. I had credit card hardship insurance i paid for each month. In XXXX a person did not have the option to pay credit card insurance with NFCU. While XXXX i suffered a hardship and reported it to NFCU. I was informed they would take care of the issues over the phone in XXXX. I mainly called because it v was the only time in could use internet and services while i was in a XXXX XXXX. When i get back from XXXX NFCU forget agreements and send me in circles about using the hardship insurance to get debt relief. The debt still is wrongfully under my name at NFCU and i lost out on money for the insurance service i paid for that was not rendered. I should have been part of they supposedly reentered my account and sold it in XXXX to avoid having to pay my portion of the award. This business has some serious issues abs i have recorded phone calls to substantiate facts of issues with NFCU. Proof of the lawsuit abs my issues reflect those of others : https : XXXX # : ~ : text=If % 20you % 20believe % 20you 've , % 2Fcomplaint % 2C % 20according % 20to % 20Vahey Called NFCU today and a rep said they were not suppose to call or contact victims in this class action. It clearly states they're suppose to on this web page.
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

I sent {$1000.00} on XX/XX/XXXX for my XXXX payment. It was clearly marked that XXXX $ was to go towards the payment and XXXX was to go towards principal. Yet, again, for the 3rd month in a row they didnt allocate the money to the correct place. They sent all to principal and sent me a letter telling me I didnt pay my bill and requested a XXXX $ late fee. I have heard that financial institutions start taking advantage of people at the end of their mortgage and I dont appreciate the way they are treating us.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX 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 personal pieces of information were 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 incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-10-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery Associates, LLC knowingly opened collections accounts on XX/XX/XXXX without sending out any type of initial notice of debt, also the accounts were included in my Chapter XXXX Bankruptcy. 
PRA then attempted to file claims in my Chapter XXXX case after the 341 creditors meeting on XX/XX/XXXX and XXXX, XXXX that were denied as untimely. 
PRA admits they failed to send out initial communications on XX/XX/XXXX, but alleges sending out an initial communications on XX/XX/XXXX. 
During a telephone call on XX/XX/XXXX, PRA firmly states they can not prove they sent out any communications, but refuses to remove the fraudulent collections from my credit file.
Consumer complaint received 2017-08-07
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. (GA)

I have contacted Equifax four times since XXXX about incorrectly reported a delinquent account. They refuse to remove it off my credit report. They have no even replied to me once. Here is the issue and the last letter I sent to them : " I am writing to dispute an inaccurate item that continues to be illegally reported as an open collection on my Equifax report. I have reported this before and yet it remains as an open collection with a note added that its included in a bankruptcy and is at a {$0.00} balance so why is it still reporting as an open collection and a derogatory mark?? It is illegal for you to report this as an open collection/derogatory account when it was illegally reported in the first place. Equifax is the only credit bureau reporting this as an open collection and refusing to fix this. The debt is from XXXX XXXX XXXX XXXX  which is a collection agency. It originates from XXXX XXXX  This debt was discharged in a Chapter XXXX Bankruptcy in XXXX of 2015. After being informed it was included in a Bankruptcy and discharged, XXXX XXXX illegally sent it to a collection agencyXXXX XXXX XXXX. It has reported several times since then and continues to appear as a negative mark on my Equifax report. I got in touch with the collection agency XXXX XXXX XXXX XXXX as did my attorney to inform them this was violating federal law. They have updated their records and informed all XXXX credit bureaus that is now CLOSED with a XXXX balance and is no longer an open collection. Because it was put into collection AFTER it was discharged it is illegal to report as a collection or negative mark. All credit bureaus except Equifax have updated my credit report and removed this completely. You are still reporting this inaccurately and illegally as an open collection. This is my final attempt to get you to correct this. If it is not corrected within the required 30 days, I will contact the Consumer Financial Protection Bureau and seek legal representation and a judgment against Equifax for false and illegal credit reporting according to the Fair Credit Reporting Act which is in turn lower my credit score and costing me money. I know that XXXX XXXX and Equifax have had multimillion dollar judgments against them in recent years for such illegal activities with credit reporting. I look forward to you resolving this appropriately in a timely manner and updating my report and my score. Thank you for your time and attention. I have included two forms of identification off of your acceptable ID list to prove my identity. I have also included the Bankruptcy judgment paperwork as well as the list of creditors whose debts were discharged in the Bankruptcy. '' They never responded to this or the three letters before it.
Consumer complaint received 2020-06-02
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. (OH)

On XX/XX/XXXX, I contacted Experian, to dispute that XXXX XXXX, is being reported incorrectly, but on XX/XX/XXXX, Experian, refused to correct the error, and updated my report with information that the alleged balance is correct. The error is in regard to a one-hundred-ten-dollar ( {$110.00} ) filing fee from a fruitless lawsuit XXXX XXXX, filed against XXXX XXXX, on XX/XX/XXXX, in XXXX XXXX  Municipal Court, which was later dismissed at XXXX XXXX 's request by the Court, on XX/XX/XXXX. XXXX XXXX, has tried to correct the error with XXXX XXXX 's Attorney, and XXXX XXXX, who responded that it believes there is no error, on XX/XX/XXXX, with no later response. Please find the attached Notice to Dismiss from XXXX   XXXX, and report from Experian ( uploaded as " untitled '' ), as well communications with XXXX  XXXX, in regard to this error. There should be no doubt that this error is being overlooked, XXXX XXXX is providing false information, and Experian, has material evidence.
Consumer complaint received 2020-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (OR)

XX/XX/2020 I spoke to man that worked for quickened loans, we came to a halt because I didn't have my w2s handy so we agreed that I would get those documents and call him once I did, during out phone conversation he never once asked what my credit was let alone ask permission to run my credit score. Tonight I received a notification that I got a hard inquiry by him again without even talking credit or permission. I would only authorize someone to run my credit if I know the deal was going to progressive and had all documents needed. I would like to know what to do next because I feel this is very unprofessional and against the law to do that without consent.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Purchased hotel room from XXXX. XXXX has ceased operations and there is no way to get in contact with them. I sent cancellation email XX/XX/XXXX for hotel room before the cancellation period ended. XXXX intentionally did not respond back to me until a week later when my cancellation period was over. XXXX has no number and does not respond to emails. Citibank requires i show proof of cancellation but XXXX never responded back to my cancellation email before XX/XX/XXXX. XXXX never paid the hotel and the hotel itself does not have my money. XXXX kept my money and decided to cease operations. Citibank closed my dispute and it stating to contact XXXX for a refund. How will I be able to contact a company that has ceased operations and has scammed thousands of people for money. There was no way to cancel the hotel room for XXXX from a website and their phone number no one ever picked up and now their contact information is useless as they have ceased operations. This is fraud. The company is a fraud and citibank is allowing this to happen. I tried cancelling my booking before XX/XX/XXXX and no one ever responded until after the cancellation period ended. XXXX are scam artists and now I need to pay back something for which I never received nor ever used. The hotels have even confirmed never receiving money and cancelling hotel rooms due to Covid19. How can I get a confirmation email if they never offered online cancellation through a website or ever respond back to my email. THIS COMPANY CEASED OPERATIONS. WHAT PART OF THEY CEASED OPERATIONS DO YOU NOT UNDERSTAND CITIBANK. THANKS FOR THROWING A CUSTOMER OUT THE WINDOW AND ALLOWING ANOTHER COMPANY TO COMPLETELY SCAM ME AND SO MANY OTHER PEOPLE.