davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (TX)

To the best of my knowledge and memory I make the following statements. XXXX XXXX XXXX ... 2 separate incidents on 2 separate calls on XX/XX/2018 in regards to myself asking about what is a " consent to release form. XXXX XXXX ... think I have last name spelled correctly may or may not have misled me. He stated that the consent to judgment was " basically the same letter " that was emailed to me earlier ( settlement agreement ) and that it would be my way to agreeing with the settlement for lower amount ... also, called XXXX XXXX lawyer and spoke to a woman. I asked her to connect me with the attorney to please explain the papers sent. She said that the papers were sent earlier that day ... ... in the same conversation she stated to me about the rule 11 and consent to judgment " if you do t sign it we will take you to court '' these statements are concerning to me. Are they to you?
Consumer complaint received 2018-09-01
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: IQOR US INC (NV)

-They have called multiple times a day since XXXX. 
- They never sent me an initial letter. 
- They never had permission to call me as I revoked permission to call me with XXXX XXXX before I ever owed them money. ( which I dont owe them money ). And I revoked the arbitration clause as well ( which is unrelated to this ) -I had told XXXX XXXX my mailing address which was not the address on my license so they should have had it. 
- They call before XXXX frequently. 
- They won't tell me when they initially supposedly mailed the first letter. 
- I was dealing with alot of XXXX, baby being sick, being XXXX, XXXX XXXX, having my XXXX and baby taken out and these people were still calling. 
- I even went on a vacation and they were still calling. 
-Before I even asked them why they were calling me in XXXX I noticed there number was calling me. I had someone look up the number and give me their name and address. I mailed a letter to them asking to not call me anymore in XX/XX/2018. Nothing stopped. 
- I finally started calling them back and researching their website and sent a few emails. 
- There phone calls have really annoyed me and my family. 
- They hace disturbed me and my family waking us up out of our sleep. 
- I am tired of them. 
-They have called so much. To much.
Consumer complaint received 2022-09-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXXBalance : {$2200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$850.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$490.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX  XXXX Balance : {$490.00} ( Original Creditor : XXXX ) XXXXBalance : {$0.00}
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have some inquiries in my XXXX and Transunion credit report that i am not recognisingi have called them several times but no one is helping me.. and my inquiries are from XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX XXXX 
( Bank ) XXXX XXXX XXXX ( Finance ) XX/XX/2021 XX/XX/2021 XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX  ( Finance ) XX/XX/2021 XXXX Transunion XXXX XXXX XXXX XXXX XX/XX/2021 XXXX Bank XXXX XXXX XX/XX/2XXXX XXXX XXXXXXXX
Consumer complaint received 2018-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

Received a debt collections letter dated XX/XX/2018 from XXXX XXXX XXXX stating I owe PayPal XXXX. I dont have a PayPal account and have never used PayPal. I contacted PayPal on XX/XX/2018 who confirmed I do not owe them money.
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (FL)

I have new and updated information concerning Experian. I have previously complained of Experian 's illegal conduct under ID # XXXX XXXX ; XXXX ; and XXXX. This is my 3rd attempt to get Experian to publish my consumer report in accordance with federal laws. Experian has failed to conduct their required investigation in accordance with federal laws; failed to provide the details of their alleged investigation relating to items published on my consumer report; failed to delete items in accordance with my written instructions as the consumer ; and continues to publish my personal information to third parties outside the scope of my consent thereby violating my privacy rights. Experian has fraudulently reported on my consumer report without either my authorization or validation. Experian is in violation of my rights as a federally protected consumer.
Consumer complaint received 2018-09-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BB&T CORPORATION (LA)

I asked the fiance company ( XXXX XXXX ) to reset my payment date from the ( XXXX ) to the end of the month when I bought the car ( 2016 XXXX XXXX ) My Job cut my hours to parttime 30 or less a pay period. This has caused my payments to be late if my due date was at the end of the month I can take both paychecks and have my full payment and paid on time but each Rep I talked to refuse to help me out now I three months behind on my not now Im in repo status I love my car and Im going to pay the note. Just need a lil help in doing so.
Consumer complaint received 2022-09-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXBalance XXXX XXXX$0.00} XXXX XXXXBalance : {$0.00} XXXXXXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00}
Consumer complaint received 2018-08-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: BlueChip Financial (KY)

As is in the loan agreement, I have at least 3 days notice, in my case 5 days notice to stop ach payments. The company did not stop the ach payments and as a result I was charged bank fees for insignificant funds.
Consumer complaint received 2018-08-30
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. (OH)

I had a lease XXXX XXXX XXXX with XXXX financial it was turned in in XXXX. Equifax is saying Im months late and Im not. Ive filed many disputes. Nothing is done still on my credit report. Ive called XXXX financial they say the account is closed and has been since XXXX and they have had no communication with Equifax. They told me to contact federal trade Commission since Equifax isnt removing it.
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (GA)

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-06-24
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account Numbers XXXX. XXXX XXXX ( Account Number : XXXX ) Date : XX/XX/2020 2. US DEPT OF EDXXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXXXXXX XXXX XXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXXXXXX XXXX ( Account XXXX ) Date : XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) Date XXXX XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) Date : XXXX XXXX XXXX XXXX XXXX ( Account Number : ( XXXX ) Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX XXXX XXXX  XXXX  ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Date : XXXX ) XXXX. XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX XXXX  ( Date : XXXX XXXX ) XXXX XXXX  ( Date : XXXX XXXX ) XXXX XXXX XXXX ( Date : XXXX XXXX XXXX XXXX XXXX  XXXX ( Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date : XXXX 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 2022-09-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The information being reported for this account is completely incorrect, so how could you have verified it? You claim to verified this information within your investigation. I am requesting copies of the documentation that your company reviewed in order to report the account as verified. I would like to know what steps were taken in order to ensure that you are reporting the most complete and accurate information available to the credit bureaus. How could you continue reporting this account when in the first place this has no name? Delete this now! 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}
Consumer complaint received 2019-01-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (TX)

I have been in contact with the company since XX/XX/XXXX with multiple documents that they say are required to start the process to look into modification/assistance. I have faxed multiple times as well as emailed the documents on many occasions and receive calls and letters telling me that the documents I have sent aren't enough. I am now receiving letters and calls from investors and companies offering to buy my home. It is my understanding that they have 30 days to review my information to see if I am eligible for assistance. I paid them last month over 1400.00 and will be paying another XXXX on the XXXX but they appear to be lying to me just as XXXX XXXX did when they sold my loan to XXXX XXXX. I have know I have met the qualifications for the mortgage assistance but if they have already posted my home for foreclosure then they are stringing me along and intend to take my home without offering me a way to keep my home that won't stretch me beyond what I am able to pay.
Consumer complaint received 2018-08-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: F&M Capital LLC (AZ)

I keep getting phone calls from someone saying his name is XXXX XXXX using a very abusive and brash tone saying I have to call him back so he can notified the creditor of my " willing participation '' before a certain time or legal papers will be filed. He claims mail has been sent and returned to him as undelivered, however I have had the same address for almost 5 years and he was able to find a newer cell phone number for me. He notes the phone conversation/phone call has been noted and recorded. Leaves a phone number of XXXX with no other information. I do not know whom this person is, where he is calling from, who he claims he represents, I don't know if it is a legitimate debt, old debt pass the time of collections, if it is a scam.
Consumer complaint received 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (WI)

My brother and I refinanced on a lake property about five months ago, we set up auto pay and it was excepted by the mortgage company. There was a month where they declined our auto pay for no specific reason and we missed a mortgage payment. My credit rating took a XXXX point hit because of their mistake. There is nothing they will do about it as explained in a phone call to the company. 
In 20 years of paying mortgages, I have never been late once.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/2022 - Transunion - reported to creditor XXXX Bank that my XXXX XXXX was XXXX in XX/XX/2022. I received notice from XXXX Bank that as a result of the low score they are closing my account. I called XXXX for an explanation. I was told by the creditor that I must obtain a copy of my credit history from Transunion- for the month of XX/XX/2022. I contacted reporting agency - Transunion and asked why they misinformed creditor of a XXXX score in XX/XX/2022. ( My score was never XXXX in the entire year 2022 ) I requested a copy of my scores from XX/XX/2022. Transunion stated they do not have any records of my credit score from XX/XX/2022. I was upset and informed them - as a result of the poor credit score they reported to XXXX my account was closed. They told me there was nothing they can do. They stated all scores are erased after the day has passed. And they can only provide me with credit scores for today 's date. So now my credit account with XXXX has been closed and my credit score dropped almost 10 points since the account closed.
Consumer complaint received 2018-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (AZ)

I have been trying to find out more about the credit card collection account reported by Chase bank for about a year. My last dispute was submitted via XXXX on XX/XX/2018 asking to verify the debt since I have never done business with Chase bank before. The result always has come back as " accurately reported '' and I have no knowledge of this Chase credit card.
Consumer complaint received 2022-06-06
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. (MO)

15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 21 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STERLING JEWELERS, INC. (CT)

XXXX XXXX is reporting that i owe them XXXX for a account tht is not mines a rep called me the other day and stated that they had some one coming out to serve me with papers. Yes i  had a XXXX XXXX card that was closed out in good standing this account was open durning the time in which i already had an account so why open up another account.i wish to have this account removed they are reporting negative information on my credit report.
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo opened another checking account under my name without my permission. This happening a few months ago - I am not sure on exact date. They have been charging me $ XXXX/month if the account does not have {$1500.00} in it. I already have a primary checking account with them ( that I will be closing and taking elsewhere ) so this did not make any sense to me and I received no forewarning by means of letter or phone call prior to this account being added. When I called - they told me they were transferring my savings into this account - again with no explanation.
Consumer complaint received 2018-08-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I recently enrolled in a loan modification. I was given a new principal and a partial HUD claim that needs to be satisfied to pay off my home. I was assigned a home preservation specialist to assist during this process. My total due is almost exactly what my original loan was for years ago and have made many payments. I requested a breakdown to show how this was possible and was told they cant provide that. I was told no one else was available to call there to help me with this request.
Consumer complaint received 2018-08-28
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MRS BPO, LLC (CA)

MRS BPO of XXXX XXXX XXXX, XXXX XXXX, NJ is telling me I must pay them {$63.00} on behalf of XXXX. I called XXXX and they said I have no balance due with them. This was attempted previously by another fake debt collector, which used a real debt collector 's name, but a different address and phone number.
Consumer complaint received 2022-09-28
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. (AZ)

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 2022-09-28
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. (AZ)

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 2022-09-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These hard inquiries is invalid and preventing me to make a home purchase I tried to have it removed but the creditors and the bureaus are refusing to do so.