davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kovo (CA)

Today date XX/XX/XXXX My name is XXXX XXXX I ask this account to be removed and deleted from my credit report 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 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
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SC)

XXXX XXXX XXXX, is listed on my XXXX report for a debt amount of XXXX. I have never received and documentation about this debt owed. Furthermore, I have no idea what the debt is for, and should be removed immediately to show my true credit identity
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (FL)

Diversified Consultants is a collection agency. They were hired by XXXX XXXX. XXXX claims I owe an early termination of XXXX I paid this amount and have the invoice to show a zero balance owed. I called XXXX after I received a delinquency notice. I was assured by customer service that I owed nothing. The next thing I received was a threat letter from diversified. I sent them a copy of the last invoice from XXXX showing a zero balance. I just checked my XXXX score and saw that it dropped XXXX points this month.
Consumer complaint received 2018-06-07
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. (FL)

I am writing to complain about unauthorized Inquires on my report that I am requesting the investigation and removal. 

I contacted creditors and asked them to remove their credit inquiry from my credit profile. 

These are the unauthorized Inquires 1.XXXX XXXX XXXX XXXX - XX/XX/XXXX 2.XXXX XXXX XXXX- XX/XX/XXXX 3.XXXX XXXX XXXX -XX/XX/XXXXXX/XX/XXXX 4.XXXX XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 5.XXXX XXXX XXXX-XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX- XX/XX/XXXX 6.XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 7.XXXX-XX/XX/XXXX 8.XXXX-XX/XX/XXXX-XX/XX/XXXX 9.XXXX-XX/XX/XXXX 10.XXXX-XX/XX/XXXX 11.XXXX XXXX-XX/XX/XXXX 12.XXXX XXXX XXXX XXXX-XX/XX/XXXX 13.XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX 14.XXXX XXXX-XX/XX/XXXX 15.XXXX XXXX XXXX-XX/XX/XXXX 16.XXXX XXXX XXXXXX/XX/XXXX 17. 
XXXX XXXX XXXX-XX/XX/XXXX I am a victim of several data breaches XXXX XXXX XXXX to name a few.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in XXXX appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.
Consumer complaint received 2017-10-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

On XXXX, I requested approval for a loan for {$370.00} from big picture loans. I asked a lot of questions initially. I specifically asked if something came up if it would not report to the credit reporting agencies if I defaulted, and I was assured by the loan officer I spoke with that no matter what this type of loan would not report to any agency. I have made a couple of payments, and lost my house to a hurricane last month. I had to switch checking accounts due to unexpected expenses, and today, after missing one payment, bigpictureloans.com sent me a email stating they could proceed with damaging my credit, and saying that the bill is now at a new balance of {$720.00}. 
.I also have no problem paying back what I borrowed, even with some interest. I have no paperwork indicating they could double the loan over a 30 day period. 
The breakdown they sent me reads as follows. 
" principal {$340.00} Interest ; {$320.00} fees {$60.00} Total {$720.00}. 
This situation has me very upset, I want a fair bill, and I can not afford to have this affect my credit, I am trying to become a homeowner relatively soon. 
This exact statement was sent to me today via email.
Consumer complaint received 2022-01-06
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)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1600.00}, XXXX XXXX XXXX XX/XX/XXXX {$24000.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-10-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX/ XXXX XXXX Student Loan account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

Over the pas XXXX years I have discovered that on every occasion where I applied for credit that there was more than XXXX hard hit on all of my credit reports. I believe in the national scoring system, but its the national banks that abuse the inquiry process. There should never be more than XXXX hard hit per application. Therefore, I must submit my complaint through the Consumer Financial Protection Bureau. This attached complaint makes a request not only for the original inquiry, but but all inquiries collectively as a basis of fairness. There should only be XXXX hard hit inquiry per application. DELETE THESE INQUIRIES!!!
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

My mortgage with Loancare ( billpay alias " XXXX XXXX '' ) was paid in full on XXXX/XXXX/XXXX ( attached ). Loancare issued a check for my escrow balance on XXXX/XXXX/XXXX ( attached ). I mistakenly forgot to turn off my bank 's auto-pay for the mortgage and payment of XXXX was made to Loancare from my XXXX XXXX bank account, delivered electronically on XXXX/XXXX/XXXX ( attached ). I called the customer service line on XXXX/XXXX/XXXX to request a refund and the customer service agent said that because my loan was paid off, they had no record of the payment on my account and told me I would I have to send proof of payment to Loancare at XXXXXXXXXXXX. Later on XXXX/XXXX/XXXX, I provided, to the indicated email address, my billpay electronic delivery receipt along with my loan and contact information ( attached ) and Loancare auto-responded acknowledging my request and assigning it a reference/ticket number. ( attached ) On XXXX/XXXX/XXXX, Loancare deemed my proof of payment insufficient, requested my bank statement, and closed my request as " resolved. '' ( attached ) Based on the information I provided to them, and the fact that there has never been an issue matching my XXXX bill-payments to my mortgage account, I believe Loancare has sufficient information to locate and identify my errant over-payment and is stonewalling to hold my funds for as long as possible.
Consumer complaint received 2024-03-22
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MS)

On XX/XX/2024 I received an email notification from Synchrony Bank in regards to my XXXX credit card. The letter stated that they had reduced my credit limit. I have never been late making payments on this account and I have never missed a payment. They intentionally reduced my credit limit within a few dollars of my current balance making my overall credit card usage percentage increase and in turn affecting my credit score. 

They also reduced the limit on several of my other accounts within the last year causing my overall credit card usage percentage to increase and affecting my credit score. The accounts with reduced credit limits are : 1. Walgreens Mastercard 2. Belk Mastercard XXXX. XXXX XXXX. XXXX 's XXXX 5. Care Credit 6. Mattress Firm 7. Discount Tire They closed my Mattress Firm and Discount Tire accounts when the balance was paid off.

I have several credit cards with Synchrony, some with balances and some cards with a XXXX balance. They don't reduce the credit limits on my cards with a XXXX balance. They intentionally reduce the credit limits of my cards that I am actively using and paying on time every month and this is affecting my credit score.
Consumer complaint received 2024-03-22
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (TX)

On XX/XX/XXXX i received a letter from XXXX XXXX regarding the Settlement and Release Agreement submitted to TitleMax with the {$600.00} settlement payment and a new Settlement Agreement drafted by TitleMax representatives. I questioned the new agreement and specifically Clause 1 in which they were asking me to forfeit any current or future claims for compensation to which I declined as I was a party to the data breach and communicated that to XXXX. 
On XX/XX/XXXX after no response from TitleMax or it's representatives, I contacted XXXX the arbitration company and attempted to begin the arbitration/mediation process. I received a response from XXXX  administrative assistant XXXX XXXX on XX/XX/XXXX that I needed to contact TitleMax to begin the process. On XX/XX/XXXX I emailed XXXX XXXX and advised that I wanted Arbitration/Mediation and that TitleMax must begin the process as per XXXX XXXX with XXXX. No response was received. 

On XX/XX/XXXX I contacted XXXX XXXX again via email requesting arbitration and received no response. 
On XX/XX/XXXX I emailed TitleMax representatives XXXX XXXX, XXXX XXXX and XXXX XXXX stated that I still had not received my Title or a response from any representative of TitleMax or XXXX  regarding the Arbitration/Mediation request. 
As of today 's date XX/XX/XXXX I have still not received a response from TitleMax or any of it's representation and I have not received my title or a new Settlement and Release document with the afore mentioned amendments.
Consumer complaint received 2022-01-06
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. (OH)

This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Payment Status shows " Paid as Agreed '' but in Experian appears " 60 Days Late '' and an FCRA violation. Please remove this inaccurate account from my credit report.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (MO)

I spoke with this company on XX/XX/21 about my debt and paid in full, as a result they agreed to expunge it from my credit report. Instead my credit report was updated with their name removed and it states that the balance is still unpaid. This was very deceptive. It has been almost 60 days since I have paid the balance in full. I contacted the company and was not pleased with their response stating it is outside of their control once they send it off.
Consumer complaint received 2017-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am an XXXX with XXXX XXXX XXXX. My client went to move money around at Bank of America and was asked to sit down with an XXXX. The client received a better offer which was fine, but the violation occurred when the XXXX XXXX XXXX XXXX XXXX # XXXX called me and demanded I send him all of the client 's financial documents. Not only does B of A and my company have policies against this, this is a very clear XXXX violation. I had not spoken with the client and the client did not ask that I send this information. Bank of America does record all of their calls so they should have access to this information. The call took place on XXXX at approximately XXXX and was on his direct line XXXX.
Consumer complaint received 2022-01-06
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. (OH)

This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Payment Status shows " Paid as Agreed '' but in XXXX appears " 60 Days Late '' and an FCRA violation. Please remove this inaccurate account from my credit report.
Consumer complaint received 2018-02-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy federal's customer service XXXX!!!! They stole my money 2 years ago when I disputed a credit card transaction for a purchase I NEVER made. Now my automatic transfers aren't being made either. I've complained REPEATEDLY on XXXX and XXXX but my complaints are REPEATEDLY IGNORED. This is completely unacceptable customer service and these idiots have no right being responsible for other people's money. They are nothing but scammers and thieves and despite being a member for over 20 years, they are still scamming me, stealing my money, and IGNORING me. XXXX   NFCU?????
Consumer complaint received 2017-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Our loan rate seems higher than most of my neighbors in my zip code, most of it is going to interest and the principle has not moved. I have held a mortgage with Wells Fargo for over XXXX years and still owe more than the property is worth. My house has been on the market for almost a year, and in order to sell, we have to take a lost because of the payout amount due to Wells Fargo. Your help is appreciated. Thank you.
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I have 2 fraudulent debts from the same debt collection company LVNV Funding LLC.

One in the amount of {$1900.00} and another one in the amount of {$1700.00}. 
Again I am in the process of having an investigation for identity theft and credit accounts opened fraudulently in my name. 
These are not my debts and collection attempts need to be stopped. 
XXXX XXXX
Consumer complaint received 2021-07-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I have made MULTIPLE attempts to contact ProCollect within this past year, almost every 30 days - as they are incorrectly reporting a balance owed on my credit report. Ive sent disputes and requested debt validations via certified mail. I have contacted the apartments they CLAIM I owe and provided them with the documentation showing proof that I owe NO BALANCE. Additionally, the amount they claim I owe has been changed which further shows that this is inaccurate and untrue. I even had the Manager at the apartment complex email them the document directly. Ive requested debt validations ; Ive requested for the account to be removed COMPLETELY as it is hindering me and 100 % inaccurate and have only been met with the rudest customer service I have ever received and nasty comments/conversations. This matter needs to be handled immediately. The account needs to be removed completely and a deletion letter needs to be sent to my email address.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/XXXX CITGO closed the account and cancelled the auto payment feature. I have not missed any payments except for the XXXX payment and that is because CITGO closed the account without my permission. I want any late fees waived and the account re-opened.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

The credit reporting agency, in spite of the fact that they have stated to the CFPB in response to another complaint that they have removed the incorrect information are in fact still falsely reporting that I have a Chapter XXXX bankruptcy. I never filed a Chapter XXXX bankruptcy. The public record shows XXXX filing for a Chapter XXXX in XX/XX/XXXX that was successfully completed and discharged on XX/XX/XXXX.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I disputed XXXX tradelines with Equifax knowing that they both contained various pieces of incorrect information. The only way that the information could be " verified '' would be if the creditor or reporting agency fabricated/falsified information. I requested the manner of verification used and for the proof/information received, which was not included. Multiple FCRA, Texas Finance Code, and Texas Business and Commerce Code violations that continue to go unheeded. I do have proof and documentation that the information reported is incorrect, but I will not furnish it to the reporting agency to use against me ; rather I have given it to my attorney on retainer.
Consumer complaint received 2017-10-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I have contacted all 3 credit reporting agencies to have this late pay removed from my credit report. This account is a student loan for my son. I completely understand that as a co-signer I am also responsible for this his account. However, I was not notified that it was 30 days late. He has multiple loans and is trying his best to keep them all current. 

It is just not right that one of the three agencies responsible for maintaining consumer personal credit information ( XXXX ) can have a major breach ( affecting millions ) and NO repercussions. My son was late ONE time and this stays on MY credit report for SEVEN YEARS! It clearly is a double standard here. Consumers can not make a mistake. I understand my credit is not the best but I have never had a late pay ( 29 years of credit history ). I have had 4 credit card companies send me letters closing my accounts. This is a disgrace and the laws need to be changed relating to Fair Credit Reporting Act. There is nothing fair about this Act. SEVEN years is just not right. XXXX will remain in business and my credit has been destroyed due to a simple mistake. 

I am asking to have this negative item removed from my credit report immediately.
Consumer complaint received 2024-02-12
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. (AR)

Please remove inaccurate account from my credit. 

Transunion Credit Reporting Agency XXXX XXXX XXXX ( Original Creditor XXXXXXXX XXXX XXXX XXXX  ) XX/XX/2020 Account XXXX {$1600.00}
Consumer complaint received 2022-10-05
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. (OH)

I just had a complaint in XXXX and XXXX came through for me equifax closes my complaint without reading thoroughly I needed the XXXX XXXX XXXX XXXX Ohio XXXX removed from my credit report. Equifax has failed multiple times to address this issue.