davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I purchased a house on XX/XX/17 that had existing XXXX service and had constant issues with the service with phone lines and televisions being down. They changed the status of our plan multiple times from being out of contract to being in without my authorization. There service reps missed multiple appointments to repair issues. We had to cancel service eventually and disputed the charges they said we had. They still went and reported it to the credit agencies as a derogatory in collection.
Consumer complaint received 2016-03-02
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

As of XX/XX/XXXX the State of Illinois has granted XXXX % exemption from property taxes to any veteran homeowner who is considered XXXX or more XXXX by the Dept of Veterans Affairs.Carrington Mortgage services has been provided with this information and my rating with the VA.I am rated XXXX % total and permanent.They are stating I must wait for the second installment tax bill before they act.The state has already stated in this letter that I will recieve a refund of the first installment payment.This letter also states that no future tax bills will be due as long as my rating is unchanged.ref ; XXXX % XXXX.It does not state the mortgage company must wait to make any changes or refund any monies being held for a payment that will never be due.
Consumer complaint received 2022-01-20
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. (NY)

This company is currently showing late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. ( XXXX XXXX XXXX )
Consumer complaint received 2018-03-15
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: Convergent Resources, Inc. (WI)

I contacted XXXX regarding a collections account that has yet to be removed from my credit file. XXXX informed me that they would do an investigation and I submitted documents supporting my stance on the matter. XXXX failed to notify me the status of said investigation, in addition they did not remove the negative information provided by the company reporting to them. The company name is XXXX XXXX XXXX and they have failed to provide proof with my signature on any consumer contracts yet they continue to report negative information on my behalf.
Consumer complaint received 2022-01-20
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. (NY)

This company is currently showing late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. ( XXXX XXXX XXXX )
Consumer complaint received 2018-03-15
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)

I am reporting against ( XXXX  XXXX XXXX ) on a collection account which was on my credit from a collection agency called ( XXXX XXXX XXXX  ) I have told XXXX XXXX XXXX that this account is false account it doesnt belong to me and them have refused to remove it on my credit and I also asked them to provide me any kind of envidence documentation about the false account so that I can file a law suit against XXXX XXXX XXXX and them experian also refused to mail me documentation concerning this false account, please I am in the pick of filling a law suit against experian on this false account so my lawyer ask me to contact ( CFPB ) before going ahead with the legal precedents on this matter.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This company is currently showing late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. ( XXXX XXXX  XXXX )
Consumer complaint received 2022-01-20
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. (NY)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and Equifax Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX Please Remove the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : ( XXXXXXXX XXXX XXXX XXXXXXXX )
Consumer complaint received 2021-09-02
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. (MI)

I sent a dispute letter to Equifax on XX/XX/2021 in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received a response yet as to if there is an investigation in progress, please fix this immediately.
Consumer complaint received 2015-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: First National Collection Bureau, Inc. (SC)

First National Collection Bureau, IncXXXX XXXX XXXX, Nevada XXXX-XXXXSettlement Offer 50 % in XXXX paymentsDirectTV settlement of {$320.00} in XXXX payments over 2 months starting on XXXX/XXXX/2015 ( 28 days ) for XXXX payments of {$160.00}
Consumer complaint received 2018-03-15
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. (WI)

I have requested validation of the debt XXXX XXXX XXXX XXXX seeks to collect. I am not certain I actually authorized this debt for many reasons. I have not resided in XXXX, NE since XXXX this debt was accrued in XXXX. My wife is usually the responsible party for all medical matters as she is typically the one who takes the children to the doctor. The hospital had a bad address on file. The debt collector has been unable to furnish anything used to verify identity prior to providing services. The account information I have been shown does not have any of my personal identifying information. 

FURTHERMORE, the collection agency is trying to collect an amount that is inconsistent with the original creditor 's records AND they have re-aged the account to make it appear newer than what it actually is to cause maximum damage to my credit report. Both actions are violations of the FCRA and FDCPA.
Consumer complaint received 2015-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

My mortgage account with XXXX has been brought up to " Current '', " PAID IN FULL and closed. XXXX letters confirming payment in full have been issued by XXXX, which have been sent to Equifax by registered mail and internet. Telephone requests to correct the credit files to indicate that the account has been PAID IN FULL have been made to Equifax XXXX. 
Equifax continues to report as follows : Status : Over 120 days past due. Consumer disputes account information. ClosedAs a result of the negative report ( which is NOT in compliance with the Fair Credit Reporting Act ), my credit score is lower than it should be and I have been denied credit. 
One party that denied credit told me by telephone that the report from Equifax could mean that I paid less than the full amount or nothing and that the creditor wrote off the balance. 
The people at Equifax I have contacted recite a script, never answer my questions and do not show any interest in solving the issue. 
It is my contention that the Fair Credit Reporting Act requires Credit Bureaus to report " in a manner which is fair and equitable to the consumer '' so that there is no possibility of misinterpretation. The Act reads : '' It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ''
Consumer complaint received 2024-05-05
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (ID)

I have called 3 times now. In XXXX I used this card, paid it off in XXXX and closed it out because I didn't need it anymore. I received a statement in XXXX of XXXX saying I owed {$700.00} on a card that has a limit of {$400.00}. They CONSTANTLY harassed me by phone even after being called and asked to please stop. The second time I said I would just pay in 3 months if they quit. I paid {$280.00} for the 3 months in a row and now the balance is somehow back at {$500.00}, when I called to ask why he couldn't tell me other than I haven't paid. He told me I only made one payment in XXXX, then proceeded to say XXXX and XXXX but not XXXX which still doesn't make any sense and he just kept asking for proof even though I said I have my bank statement and he basically told me I need to prove my statement all the way from XXXX and I can't even pull that from online. Comenity Bank has stolen over {$1000.00} from me on a card that has a max of {$400.00} and I didn't even max it out when I did use it 3 years ago.
Consumer complaint received 2015-08-05
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Integrated Recovery Services (CA)

Integrated Services, contacted me at my home and on my personal cell phone about a debt owed by a family member. After telling them to longer call me at these numbers and that I have no business with them, they continue to call. They are calling from XXXX XXXX.
Consumer complaint received 2022-07-19
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OK)

My credit report reflects XXXX accounts that I was an authorized user on the accounts. There are XXXX accounts with XXXX and XXXX account with XXXX XXXX XXXX. My mother was the primary account holder on these accounts. I had no financial responsibility on these accounts. The creditors on these XXXX accounts were given a copy of my mother 's death certificate, which was XXXX/XXXX/2009.
Consumer complaint received 2015-05-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Opened a account at Wells Fargo had fraud when disputed itThey said no problem opened me a new accountApparently they then decided new was opened to soonAnd they closed it without my knowledgeThey also applied for a credit card for me I did not authorizeOr ask forI then went to another bank to open a accountAnd was told well Fargo report me to check systemFor suspected fraud? I 've been trying to get corrected XXXX now ca n't get a account anywhere!
Consumer complaint received 2015-10-27
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP (MO)

They repeatedly call my cell phone and my place of employment i have asked them not to call my job and they keep calling i had told them i will pay them this payday and they say they need it before that i have tryed to work out a payment plan with them and they are persistent on getting the money when they say i have been unemployed and havent had the money to pay them and i am 100 % that i will pay this debt i just started working and am only getting paid 2 times a month and they know this i am afraid if they keep harassing me at work they will cause me to lose my job
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NC)

I wrote a letter to Equifax back in XXXX, asking them to investigate XXXX inaccurate accounts that appeared on my report with their agency. Over the last four months, I have sent countless follow-up letters to Equifax , but for whatever reason, they will not respond to my request.
Consumer complaint received 2016-10-17
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo lied to me and gave me the run around with false information pertaining to my home. They told me that foreclosure had stopped because I was in a disaster relief program. Once the disaster relief was over we would then discuss my options. This was all a lie because they proceeded with foreclosure and when I tried to contact them they gave me the run with different clerks all giving me different information that was not true. The representative at Wells Fargo who was suppose to be assisting me never got back in touch with me in a timely manner. I was not aware that they was actually proceeding forward with the sale of the home until I received a notice on my door. Even though I continually made payments up until XXXX when they refused to receive payments from me. I even ask for a modification since I knew I could afford it. Wells Fargo used deception to force me in foreclosure. According to the letter on my door it says the home will go up for sale XXXX/XXXX/2016 but yet Wells Fargo continually say that there is no sale date. Also They told me that the payments that I was paying was sent back to me which is not true. I have only received {$100.00}. I informed them if they apply all the payments that I made and that they said was payment reversal then I would not be in foreclosure. I informed them of this in XXXX when I requested a printed out copy of all payments received. On the documentation I received from them concerning my payments it says the payments was reversal meaning they sent them back to me.The process that Wells Fargo is using is not legal and they are using predatory lending practices. They house has equity in it plus mineral rights therefore it is worth more than I owe on it.
Consumer complaint received 2022-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello my name is XXXX XXXX and I was taking advantage due to malpractice while several laws were being broken under the FCRA by your company. 

This has caused me financial Injuries also deformation of character I cant get a job, I cant apply for credit, I cant get any loans or a house for my living Stability or anything like that due to the pandemic under this crisis you had hurt my Ability to obtain credit which greatly impacted my life & well being!
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

After reading about the CFPB lawsuit against Navient, I believe I am victim to some of the alleged misdeeds by Navient. First, I was denied a cosigner release despite having a household income above $ XXXX. Second, I have been unemployed and without income as a XXXX since XXXX 2016, and Navient did not inform me of an income-based repayment option ; I was ushered into forbearance for the past year. The private loans are set to come out of forbearance in XXXX with a year 's worth of interest accrued.
Consumer complaint received 2015-05-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AVANTE (LA)

THIS DEBT IS FROM THE XXXX. ON THE DAY IN QUESTION I WENT IN, SOMEONE TOOK MY VITALS AND SENT ME TO WAITING AREA AFTER I PRESENT WITH SEVERE CHEST PAIN. AFTER A XXXX MINUTE WAIT IT WAS APPARENT THAT I WAS NOT GOING TO BE SEEN BEFORE DEATH. SO I LEFT AND WENT TO ANOTHER HOSPITAL WHERE I WAS TREATED XXXX. I NEVER SAW A DOCTOR I ONLY HAD MY BP, AND TEMP CHECKED - THIS CHARGE IS FRAUDULENT.
Consumer complaint received 2015-04-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX has failed to validate a debt that they say I owe them. They have never responded to any of my requests. I have never done business with XXXX XXXX. I have asked to see a contract that requires me to do business with them and they ignore me.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Currently hold a credit card with Capital One, have had this line of credit open for over 10 years and have never missed a payment and have paid the card off multiple times. Currently carrying under XXXX on the card and making regular monthly payments above the required amount. The scheduled payment was made to Capital One XX/XX/XXXX above the required amount. On XX/XX/XXXX Capital One automatically took XXXX payment out of our account without authorization. We had our auto pay canceled on XX/XX/XXXX and had made a payment in full on XX/XX/XXXX. Our Autopay had been canceled for months we never gave Capital One permission to automatically withdraw payments. Made a phone call XX/XX/XXXX when the issue was discovered spoke with a representative named XXXX. XXXX stated that even if we cancel our auto pay and make on time monthly payments Capital One has the right to continue to pull payments from our checking account at will. XXXX also stated that he could not and would not return the unauthorized amount back to our account. XXXX stated that we could file a complaint with Capital One and have someone reach out to us in 15 business days. The information given to us is not located anywhere in Capital Ones terms and conditions nor is it listed anywhere on their website when you cancel your autopay.
Consumer complaint received 2016-01-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland offered to delete my negative credit report in exchange of deleting my negative report. They abused me since I am a minority and my XXXX is not the best. I paid {$1200.00} on XXXX/XXXX/15 and they still trying to collect the account and still reported as I owe the money.
Consumer complaint received 2015-07-23
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (CT)

American Express Gold XXXX Credit Card requested credit reports for myself from the Credit Reporting Companies XXXX times ( i.e. XXXX ), from XX/XX/XXXX to XX/XX/XXXX. I contacted Experian after running a Credit Report to verify, they verified it, and suggested contacting American Express. American Express Executive Customer Service representative looked up to verify and requested copy Credit Report I had in possession related to queries, which was sent in email attachment to AMEX, re : Dates of Request ( XXXX times ). American Express stated they would investigate and get back to me in a few days, American Executive office contacted me back and stated those inquiries where for " promotional purposes '', which differed from information that was provided to myself from Experian. I respectfully submit a complaint to the CFPB, as this I feel could greatly affect my Credit Score or Credit Standing by the Reporting companies, especially if a Credit Report is run for new or updated credit application. Thank you.