davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (NY)

On approximately XX/XX/XXXX, I noticed a garnishment on my paycheck. 
I received a copy of the judgement from my Human Resources Director. 
I was not served at anytime, or afforded the opportunity to dispute this debt in court, and this company was given a default judgement. 
The last known address that they indicate was from more than 4-years ago, l. I legally changed my address with both the US Postal Service and NYS Department of Motor Vehicles on or about XX/XX/2014 ; which if this company had researched, they could have located my current address, rather than using " Sewer Service '', which is illegal in NYS  Additionally ; This Jusgement was filed in a county that I do not live in and is in no way associated with me. 
THIS COMPANY HAS NEVER ATTEMPTED TO SERVE ME OR CONTACT ME IN ANY WAY PRIOR TO FILING FOR THIS JUDGEMENT. 
I plan on pursuing an order to vacate this judgement as well
Consumer complaint received 2022-08-12
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (NC)

On or about XX/XX/2023 I applied for a personal loan at One Main Financial online sending all my financial information ( pay stub from part-time job, social security retirement and pension ) I have had and account with XXXX Main in previous years and had no problem paying the account off. My projected income for the year is XXXX. The loan was for only XXXX dollars. The credit report had already been pulled, but when I asked about the loan on the XXXX I was told that I didnt have enough income to get the loan an that if I wanted the loan my wife would have to sign on the loan too. What I think is happening here is age discrimination not income. In the past this has not been a problem with me getting a personal loan on my own for over XXXX now its a problem and I want to know why. If a person is in good standing with a business, an that person can give you assurances through insurances on the loan received why not give that person the benefit because of past history.
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (AZ)

Some time about the middle of XXXX XXXX  being unhappy with my XXXX XXXX  ( synchrony bank ) credit card over problems with there security and being blocked from using the acc. 
I informed them I wanted to close the Acc. and no longer wanted to do business with them or XXXX 's XXXX or Synchrony Bank. 
There response was to make a threat to cause damage to my credit score and I am still getting 0 balance statements from them showing the acc as open. 
My credit score soon after went from XXXX to XXXX.
Consumer complaint received 2023-01-11
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. (CA)

XXXX XXXX XXXX This account was paid and closed on XX/XX/2022. Experian has failed to update my credit report. See report attached. Delete this account off my credit file right away!
Consumer complaint received 2021-08-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Security National Financial Corp (TX)

In XXXX some of my houses were damaged in Hurricane Harvey. As a result I used the forbearance plan on some mortgages to allow time for insurance claims to process. The houses were fully repaired and all loan were brought current within the forbearance time frame. None of the loans were refinanced, modified or any loan documents signed all amounts due for the forbearance time frame were fully paid. In XXXX of XXXX one of the mortgages showed up on my credit report with the comments " Paying under a partial payment agreement '' which the credit reporting agencies interpret as late or delinquent payments. My credit score dropped ~ 60 points. Since then I have filed disputes with the credit agencies and contacted the lender. The lender has not corrected the inaccurate reporting to credit agencies and is continuing to report false information every month.
Consumer complaint received 2018-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I won a sneaker contests on XXXX for the XXXX XXXX XXXX  for retail. They were very responsive to my questions and messages untill I paid ( through XXXX ) after that they went silent. Literally in minutes I started to realize they didn't give a reply of the the confirmation of my purchase with out and shipping info or even responding to my messages, even after giving them fair warning that I would be taking steps to get my money back they still did not respond. Its people like this that ruin sneaker culture for everyone else. I called my bank to try cancel the transaction while processing and could not help at stop the payment with fraud protection
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I accidentally sent money to the wrong person using my fifth third debit card through XXXX when I tried to dispute the transaction they said as of today XXXX denied and I asked what about the temporary credit that the guy I filled my dispute with over the phone he said if they don't approve it I will still get a temporary credit but I didn't not.
Consumer complaint received 2021-09-19
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: EQUIFAX, INC. (TX)

These accounts, I feel, are having a negative impact on my credit score and costing me XXXX  of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2018-09-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION (CA)

Past Complaint # : XXXX XXXX, ONLINE PAYDAY ADVANCE Am being billed, {$250.00} for a Payday Advance Loan from XXXX Online, that was never deposited into my checking account. 


I am a 'victim of crime ', Marsy 's Law, with the District Attorney 's office in XXXX XXXXo , as of XX/XX/XXXX. 

Victim of Crime XXXX District Attorney XXXX XXXX County of XXXX XXXX District Attorney 's Office. 

Victim of Identity Theft Marsy 's Law. 
XXXX XXXX Date occurred : XX/XX/XXXX IDENTITY THEFT has been reported to my XXXX CREDIT REPORT. 
XXXX XXXX CREDIT REPORT, INFO : XX/XX/XXXX A fraud alert has appeared on your credit report. 

( Please note : the presence of a fraud alert may be repeatedly reported while it is still on your file. ) Processed Date : ( XX/XX/XXXX ) Alert Id : XXXX Alert Type : Fraud Alert Date Reported : ( XX/XX/XXXX ) Comments : Statement added because consumer was a victim of True-Name Fraud. 
ALERT # : XXXX # IFCRA I would like my past due : {$310.00}, removed from my XXXX XXXX XXXX   account. 

Thank you, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-02-28
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: NAVY FEDERAL CREDIT UNION (NV)

Hello, on XXXX, checked my credit report with XXXX, XXXX and XXXX i was shocked when saw some credit cards, addresses not belongs to me. 
Since XXXX i live in XXXX, XXXX, and since than never been in US. 
XXXX XXXX BANK XXXX XXXX Date Opened - XX/XX/XXXX, XXXX XXXX - {$5000.00} XXXX XXXX Date Opened - XX/XX/XXXX, XXXX XXXX - {$6000.00} XXXX XXXX CR UNION Date Opened - XX/XX/XXXX, XXXX XXXX - {$7800.00} also the addresses in credit report, i have never lived there XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2020-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (VA)

My Credit report was marked for collections on XX/XX/XXXX ) for the amount which was already settled in year XXXX. 
I received a letter from collection agency stating i have 45 days to pay the pending charges the letter was produce on XXXX XX/XX/XXXX and the company reported the account for collections on XX/XX/XXXX. 
This is complete unfairness, Firstly, i did not received a advance letter that gives me heads up that my account will reported. 
Secondly, i was given 45days to pay and before the deadline was finish the account was reported for collections on my credit report. 

I fully understand that they companies wait till you apply for mortgage or some kind of loan and then they damaged the account. 

I have filed a dispute with XXXX  already and I need to know if you guys can help in this regards. Thanks You.
Consumer complaint received 2021-04-02
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: EQUIFAX, INC. (TN)

I have contacted all parties ( XXXX XXXX Equifax, and XXXX XXXX ) trying to allow them to fix this matter. XXXX XXXX {$340.00} that reflect on my credit report is a fraudulent account.
Consumer complaint received 2020-11-04
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. (CA)

i have sent more then enough information on XX/XX/2020 to have these accounts listed on in my police report and ftc report blocked or deleted. i have made all the attempts Per my own request to have these accounts blocked by Law or the FCRA. This is not a company and i have been getting no where because of automated emails i get from XXXX  XXXX  and TransUnion. Please see attached supporting documents
Consumer complaint received 2019-02-28
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. (CA)

I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late three times. There was definitely an error on their part. I was never three times 30 days late.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (DC)

XXXX is reporting a Bankruptcy on my credit report I know this Info is personal information and this credit reporting is miss leading and false, fraudulent information. Also I am protected bye The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) this info should not be on my credit report
Consumer complaint received 2021-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC (TX)

On XX/XX/21 Acima responded to my 2nd complaint about my consumer laws that was broken by their company. Acima basically told me that the laws do not apply to their company because their not a creditor or lender which is incorrect. Acima is in fact a creditor by law U.S.C. 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. My extending agreement was for more than four installments my agreement was 12 monthly renewal payments of {$360.00} before tax, plus an initial payment of {$50.00} before tax, for a total of {$4400.00}. I also called on XX/XX/21 when talking to a representative from Acima they told me they didnt know what they were and said he do not know why it was said that the company is not a creditor. He then transferred me to his supervisor. He also was confused but said they are a leasing company which is the same and the rule apply to them also by law 15 U.S. Code 1667d. This will be my last time contacting Acima for this matter if not corrected future criminal liability for willful and knowing violations will be imposed.
Consumer complaint received 2019-02-28
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. (CA)

I have a credit card with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Equifax, XXXX and XXXX XXXX  XXXX with no successful resolution. XXXX, Equifax, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Consumer complaint received 2021-09-19
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. (WI)

A credit report agency XXXX report wrong information on my credit report, from my account bank account named XXXX. The balance is incorrect, there is no monthly payment for that account. The original balance it said I paid is too high, I never paid that much. All information is incorrect I would like it removed, everything is false. 

Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Secured credit card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Creditor Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # : XXXX
Consumer complaint received 2024-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: GATEWAY FIRST BANK (TX)

This issue pertains to my Secondary Home Improvement Loan - originated and serviced by Gateway Mortgage - a division of Gateway First Bank. Last year ( XX/XX/XXXX ), I submitted a complaint that Gateway Mortgage was incorrectly applying my additional XXXX XXXX payment. After filing a complaint with the CFPB and multiple back and forth exchanges with Gateway Mortgage, the problem was resolved. However, This year ( XX/XX/XXXX ), the same exact problem has resurfaced. Again, they are taking the extra amount I give them every month and incorrectly applying it to future interest payments. Instead, they should be applying it to pay down my principle. This is very deceptive and is an attempt to put more money in their own pockets. If you review the history of my Mortgage with Gateway, you'll see that this is not the first time this deception has occurred with Gateway.
Consumer complaint received 2020-11-29
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. (KS)

I keep trying to dispute a account which has been paid with XXXX  and they keep closing it without updating. There is also accounts from XXXX XXXX which are supposed to be deleted due to settlement out of court. There is a FTC and police department report as well
Consumer complaint received 2020-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

Starting back in XXXX : Midland Funding was calling me anywhere from 3 to 7 times per day trying to collect a debt I knew nothing about. They would call and ask for one name then call back and ask for another, then call again and ask for me by first name only. I had tried calling them and spoke to a woman that said she had nothing with my name through there company. and then again, phones calls were persistent for the next 3 years. I gave up answering and they never left a message. I only knew it to be Midland because I would call and ask who they were. All they would say is it was XXXX XXXX XXXX  was the original creditor. I never knew to have an account with XXXX 's XXXX   except for when XXXX XXXX XXXX XXXX had their XXXX XXXX XXXX through them ( to which that was paid with my IRS Refund ). 
As of XXXX, I stopped receiving calls because I had paid my phone service provider to have Elicit/Spam/Etc callers blocked. Yet for the last 2 years, approximately 4 times a year, I get a random bills in the mail, which I just tossed in the mail. To which I have provided them documentation that the debt was paid. I also filed disputes with all 3 credit reporting agencies that I am not responsible for this account, unknown collection. Midland only ever sent notices no proof of debt. 
How do I stop this? Do I need to hire a lawyer? If so, how do I get assistance to do so?
Consumer complaint received 2024-03-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (KY)

I received two prepaid cards from my place of employment. I lost the cards during a move. Now that I've found the cards it appears they are outside the expiration date of XX/XX/23. I attempted to have the company reissue cards with the remaining balance and was told the cards are expired and funds no longer available. One card had XXXX dollars and was never used and the other card originally had XXXX dollars and I'm unsure of the remaining balance on it. Can prepaid cards could expire and funds be confiscated?
Consumer complaint received 2023-01-11
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)

THIS IS NOT A DUPE. Equifax is sending wrong uncorrected information on my credit file to XXXX parties, my lenders. They are re-aging the " REAFFIRMATION '' from XXXX  years ago XXXX XXXX. 

They have failed under multiple complaints to correct my file. I have contacted XXXX XXXX XXXX XXXX about the XXXX  and the bank states to contact Equifax that they are not reporting the account in Collection or any other Derogatory information. 

I have filed several disputes and complaints to NO AVAIL Equifax continues to report erroneous uncorrected information to my lenders directly negatively affecting my Score, Accounts, Utilization and overall Credit Worthiness. Their investigations have not resulted in the correct action. Though, documentation has been sent, they have taken their time and totally failed to remove the NEGATIVE information from my credit file. They have shared the incorrect information which most recently have resulted in a closure of my XXXX XXXX XXXX ending in XXXX, and reduction of my credit with XXXX 's that I have had for years. 

This company is unethical and represents " bad business ''. Their business license should be rescinded.
Consumer complaint received 2020-11-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (MO)

My identity has been seriously compromised by online identity theft and it has left me with issues unknown and unauthorized by me by me. Prior to that my wallet was stolen and reported so this is a recurring issue. The following accounts are an aftermath of the fraud. I'm demanding that credit reporting agencies remove and block these accounts immediately 1 ) XXXX XXXX XXXX. 2 ) Santander Consumer USA. {$13000.00}. 3 ) XXXX XXXX  {$7200.00}.
Consumer complaint received 2020-05-28
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX