davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (MI)

This company is performing unlawful credit reporting acts. XXXX XXXX has all three major credit reporting bureaus reporting completely different information based off false information reported by XXXX AND XXXX XXXX. Documents they report with are cropped and tampered with digitally. XXXX XXXX contacted Tempoe and the company stated that the account is showed as paid with them. They explained that the debt was sold as an accounting mishap on their behalf. Before XXXX and XXXX got involved, Tempoe cleared up this information with another debt collector and even sent out documentation showing that the debt was paid. XXXX and XXXX XXXX are unlawfully seeking payments for debts that have paid in my opinion. Falsifying information to collect debts that have clearly been reported as paid by the Original Debtor ( Tempoe ).
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

On XX/XX/2020 I start to submit my application for refinance my house with my mortgage company and they give me a good interest rate 2.875 % at the time the interest rate was very low everywhere after two days they did send me The loan estimate with all the details to sign it I did sign it and send it back to them and after one week they send me the confirmation that they approved my application and they wait for the underwriter to review everything I try to call them send them a lot of emails to ask about my refinance but there is no reply from them every two weeks they send me email its on under processing and within couple of days we will send you the closing day to finish everything I tried to call the management and send them a lot of emails but there is no reply from them now the interest rate is high and the send me another loan estimate to sign it with a high interest-rate I dont want to except that because its their mistake they make me lose the time to find another refinance company was a good interest-rateSo its after six months they try to increase the interest rate and of course I can not find the good interest-rate anywhere
Consumer complaint received 2022-08-09
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. (LA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Loantopia (MO)

I had ACH debit set up for this loan. I have been paying regularly without issue. I contacted about refinancing the very high, predatory rate. The customer service representative states I can not speak to anyone about refinance and early pay off was not an option. I asked they stop my ACH withdrawals. He hung up on me. My next due date the ACH payment was taken out. I called back and stated I wanted an early payoff. I was going to refinance with another company. I was made to hold for extraordinarily long time. Again ACH debited. I finally sent an email explicitly stating I was contacting this entity and they no longer had permission to access my account. The ACH stopped. They began to call my work place. I asked it stopped. It did not until I threatened legal action. They are aggressive, predatory lenders who bully and harass people. I have no issue getting back on track but now they have forwarded me to the legal dept and charged fees. I have used multiple online lenders without issue. This company is overly aggressive.
Consumer complaint received 2022-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MI)

1 ) I filled out an online mortgage refinance application on or before XX/XX/XXXX. But *I did NOT click the apply button*. I had questions *before* I wanted to submit to avoid a credit inquiry. I intended to call them later. 

2 ) I got an automated email from them on XX/XX/XXXX with the subject : " Still thinking about refinancing? Finish your application. '' Body began : " Almost finished... 
Just a few more steps to finish your application. If you'd prefer to speak with a Loan Officer to continue your application, please give us a call at XXXX. '' ( See attached email printed to PDF ) 3 ) After a day or two they began calling me, but it was always at a bad time while I was in meetings and couldn't speak with them. I tried to call them back twice but then they didn't pick-up. 

4 ) On XX/XX/XXXX I was surprised to get an email from XXXX with the subject " Your mortgage application documents '' and text within the email saying " Mortgage application documents to sign ''. 
( See attached email printed to PDF ) BUT I NEVER SUBMITTED MY APPLICATION because I still had questions and didn't want a hard pull on my credit. 

5 ) When I logged into XXXX 's www.freecreditreport.com I could see that I had a credit inquiry on XX/XX/XXXX with a stated " Removal date '' of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX ) XXXX This hard-pull decreased my credit score and may affect it until XXXX of XXXX! 

a ) While this is a minor issue compared to others, people with poor credit might be very adversely affected by this! 
b ) This smells very much like the XXXX XXXX scandal where they were opening accounts for people without their permission! 
c ) This type of pushy activity is particularly bad for the vulnerable, those without time, those without the clarity of mind to deal with it!
Consumer complaint received 2021-04-28
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. (NC)

I've tried resolving these medical accounts because they are not the original creditor and by law the original creditor is suppose to report an account not a third party vendor. I want these medical collection accounts removed from my file.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I've tried resolving these medical accounts because they are not the original creditor and by law the original creditor is suppose to report an account not a third party vendor. I want these medical collection accounts removed from my file.
Consumer complaint received 2022-01-17
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (AL)

There is an inquiry on my credit report from Factual Data on XXXX. I was advised that this was for a mortgage. I just purchased my home last year and would have no need to apply for a mortgage. I have not applied for any credit and did not provide consent for anyone to review my credit file for any credit offer since I was not applying for anything. This has lowered my credit score and that is a damaging factor as I am trying to build my credit.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX # XXXX Chicago, XXXX XXXX XXXX Equifax added a account back to my report and derogatory marks to my report after I disputed over the phone and by sending in dispute letters the name of the company I'm disputing is XXXX XXXX XXXX XXXX XXXX XXXX Equifax keeps putting this account on my report after XXXX XXXX XXXX sent me a letter admitting that they were reporting inaccurate information on my report. 
It is illegal for the credit bureaus to put negative items back on your report once it has been deemed unverified or inaccurate.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have a 30-day late payment on my payment historical record for the month of XXXX on my mortgage account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX which date was opened on XX/XX/2018. I submitted a dispute previously for the same issue, the credit bureaus only fixed part of the issue but did not correct the entire issue. The only updated the account status and removed only one late payment in the history for the month of XXXX, but not for XXXX. The 30-Day late payment should not be there and was put on the credit report as an error on XXXX XXXX XXXX XXXX XXXX end. I have a letter from XXXX XXXX XXXX XXXX ( Mortgage ) stating that it was their error and they was going to remove the 30-day late payment for the month of XXXX and for XXXX, but XXXX is still reporting as 30-Days late in the historical record, which needs to be updated and the XXXX late payment needs to be removed immediately. I have disputed this account with XXXX, Equifax, and XXXX and they have not removed/updated this account to reflect a " never late ' payment status for the month of XXXX or a " Never Late '' on my credit report and XXXX, Equifax, XXXX and XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this 30-Day Late Payment from my mortgage account for the month of XXXX immediately and if it is not removed, I will be filing a lawsuit against XXXX, XXXX, Equifax, and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment for XXXX from my credit report. I have attached a copy of a letter which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this 30-Day Late Payment is an error on their end and for the credit bureau to update the record to show pays as agreed and a never late status for the month of XXXX. Therefore, I have attached it to this complaint.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Helbing Law Group (CA)

I agreed to a 2 & 12 program payments of {$330.00}, which was supposed to end on XXXX however the my client portal on there website which is Helbing Law Group they added XXXX extra monthly payments of {$330.00}. I checked again and they added another monthly payment. They have lied to me over the phone numerous time about the balance, also last XXXX 2021 i paid {$1000.00} so the can settle with home depot which i never agreed to. after they collect on XXXX of {$330.00}, i want to cancel and stop these payments by changes bank accounts so they can stop collecting is this the right thing to do, if not they will keep scam my money.
Consumer complaint received 2021-08-12
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. (FL)

fcra : not mine XXXX XXXX XXXXXXXX Original creditor : XXXX {$2800.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$2800.00} {$2800.00} Payment Info Original balance {$2800.00} Balance {$2800.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX  Original creditor : XXXX XXXX  {$710.00} Balance updated XX/XX/XXXX XXXX XXXX {$18000.00} Closed 77 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$18000.00} {$47000.00}
Consumer complaint received 2022-08-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Compattia Roccia Management Group, LLC (KS)

With reference to the letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 
2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23. 
3. Proof of Claim that COMPATTIA ROCCIA MANAGEMENT GROUP , LLC has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency.

I hereby serve Notice that failure to provide Proof of Claim by COMPATTIA ROCCIA MANAGEMENT GROUP , LLC has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring COMPATTIA ROCCIA MANAGEMENT GROUP , LLC from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX. 

It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. 

Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of COMPATTIA ROCCIA MANAGEMENT GROUP , LLC agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter, you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.
Consumer complaint received 2022-01-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2024-01-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/24 I received " Important Changes to Your Account Terms '' via first class mail from Synchrony Bank, XXXX XXXX  XXXX XXXX XXXX Synchrony Bank handles the Lowe 's store credit card. 

The changes include information about the Paper Statement Fee : " We are adding a {$1.00} monthly Paper Statement Fee to your account. We will charge this fee as described below... We will charge a {$1.00} monthly Paper Statement Fee to your account. We will charge this fee in any billing cycle in which your balance is greater than {$2.00} and you are sent a monthly billing statement in paper form, even if you also are provided it in electronic form. You can avoid the fee each billing cycle you are provided your monthly billing statement only in electronic form [ sic ]. ... 

Is such a fee compliant with US rules and regulations governing credit cards? 

I worry this sets precedent with other credit cards including major credit cards.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Dispute letter submitted to Experian XX/XX/2022 to remove inaccurate addresses from report. As of XXXX XX/XX/2022, some inaccurate information still being reported.
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (KS)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (GA)

This said debt has been disputed once, and was removed. Now it is showing back up under a new collection agency. The accuracy, dates, and amount could not be validated. The collection agency did not try to contact me in any form of communication. They just reported to credit bureaus.
Consumer complaint received 2022-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

I disputed an amount that was showing on my credit report under Franklin Services inc. I have informed them that the person they are looking for a different person with a similar name as me. I have disputed it with the collections agencies such as XXXX, and the others. Many people at Franklin Services have stated that their records show that I disputed the amount and that it was going to be deleted. I have asked for a confirmation and updated on this, as I have continued to receive mail and other information after the dispute I submitted. They have informed me that they do not send out letters confirming this as per my request and have hung up on me multiple times. I have asked to speak to a higher person and they change the names and before giving me phone numbers, hang up on me. They also give me information at the beginning confirming everything Im saying and then go back and say they never said that.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is a collection agency that is based out of Georgia who do not have a state license or registration to do business in the state of Texas where i reside, and they place me in collections. They don't have the right to do business in the state. My account number is XXXX.
Consumer complaint received 2024-04-11
Product: Credit 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: FIFTH THIRD FINANCIAL CORPORATION (NC)

XX/XX/XXXX, I spoke with a representative from the 5/3 credit card division in the dispute department and spent XXXXXXXX minutes explaining what the dispute was about and answering all question. The dispute simply was stagnant and now I just received a letter asking the same identical questions that the previous dispute resolution specialist had asked. The person named XXXX, supervisor, could not explain to me why I was told on XX/XX/XXXX that 5/3 had all of the information needed and would immediately notify the hotel of the dispute. This did not happen. 
The letter sent to me did not ask anything different from the XXXX minutes phone call to the dispute department on XX/XX/XXXX. 
I was mislead ; the information was not properly documented ; the representative\ caused me to believe that all was find, nothing else needed, and the vendor would be notified. This is a way to avoid attempting to bring resolution. Nor have I been given temporary credit. I simply wasted 5/3 card services time as well as my own. 

Also I have this concern : Advertising and marketing, including promotional offers ( confusing or misleading advertising, didn't received advertised interest rate ) Initially on the phone when I did a balance transfer last year, XXXX, I was advised several different times that this XXXX APR would be applied to my purchases as well. 
It does not. 
I have been an excellent customer but the services has not reciprocated. 

I am now speaking with XXXX overseas and I am finding out that the letter was useless. The questions XXXX asked me XXXX did not and the letter did not. 

XXXX is now telling me to disregard this letter because other questions should have been asked. 

This is the same way I was given wrong information about the XXXX APR on purchases as well the balance transfer. 

Some representatives like XXXX appears to be untrained and will tell the consumer anything to get them off of the phone.