davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
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. (TX)

I have contact YOUR CREDIT AGENCY and have informed you that I am a victim of identity theft and that XXXX in the amount of {$1300.00} account is a result of identity theft and so is XXXX XXXX XXXX  IN THE AMOUNT OF {$1100.00} YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE YOUR CREDIT REPORTING COMPANY. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before. I have never dealt with this company or the company XXXX that they represent. There is no contract bearing my signature and XXXX has never contacted me regarding this fraudulent account either. So if they never contacted me how could I inform them that the account is indeed not mine. After contacting both companies neither can provide legal binding contracts so how in the heck are they reporting this fraud account.
Consumer complaint received 2022-04-06
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible : I noticed this problem in XX/XX/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 2020-08-11
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. (TX)

Someone has stolen my identity and added accounts to my credit history I don't even know of. I am not sure how but I am determined to get this resolved because I am on the verge of losing my job! All because someone somewhere is acting as me or impersonating me somehow. I did not consent to any of these accounts and will like them removed immediately!
Consumer complaint received 2022-07-28
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. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

XXXX, XXXX, and Equifax continue submitting a collection of {$360.00} from XXXX XXXX XXXX. The amount is inaccurate. I had been overcharged from an insurance company, " XXXX XXXX ''. XXXX  XXXX is pay by the mile insurance through an app. They refused to accept my mileage photo, claiming it was a fake picture. They also would not cover specific damages on my car until I filed a complaint against them. And I canceled my insurance policy. They are also trying to charge me for miles I used while out of state. It is against their policy, which claimed the insurance is not active while out of state. I had been overcharged for miles, and I refused to pay for miles I did not use. This company is a scam. They still try to charge for miles even while you are in someone else 's vehicle, or a rental car with paid insurance, despite informing them you are not driving. It is based off of an app. The photo I sent was also accurate, they had no reason to accuse me of lying. I canceled my insurance policy and now pay a monthly premium. They sent me to collections, and once again I refuse to pay for miles I did not drive.
Consumer complaint received 2024-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MS)

I received a message alert about updating income for my XXXX XXXX XXXX XXXX from Synchrony Bank but I can't get verified ( a code ), cause the website doesn't recognize my phone number I have had for 30 years. It is the number i use on my account, ( see attachments ). So I can't update the income information for that account until I can have access to my profile. The problem is I can't receive a text or phone call cause when I input my phone number, I get a message stating the system doesn't recognize my phone number, so I can't get in to update what Synchrony Bank wants me to update. A rep called and left a message on my voice mail on XX/XX/year> said it was working but the feature is " NOT '' working, thus I can not update my income on the profile page as I can't receive a " Code '' to enter cause Synchrony Bank doesn't recognize my phone number that is listed on the account since it was open, and that is sooo strange to me. I don't know what phone number to use as I only have 1 phone number.. This is my " third time '' to try and rectify the problem in as little as two weeks, to no avail, I mean what is wrong with that company? I Have provided an attachment that shows what the message error is I get when I enter my phone number to receive a code by text, ( see attachments ). This information is current as of XX/XX/year> ....
Consumer complaint received 2022-07-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

On XX/XX/XXXX my mother passed away from XXXX. I immediately experienced a financial hardship in covering my mother 's final expenses and estate debt. I notified Flagstar of my hardship and I was advised that I could defer my payments for 3 months and that at the end of this period my payments would be deferred to the end of the loan. In XXXX I called Flagstar to begin the process of deferring the payments. The request was initially denied since I had previously deferred 3 payments due to Covid. I was told that I was still eligible for the payment deferral and a new request was submitted and escalated. I have since called in every week to check on the status of this new request and each time I am told that there is no update from the underwriter and an email will be sent to follow up. It has now been 3 months of waiting for a response and in the meantime I am harassed with collection calls from Flagstar stating that I am delinquent and that on XX/XX/XXXX my Covid forbearance will end and immediately my loan will be reported delinquent to the credit bureaus and a loss mitigation process will be initiated. It is unacceptable that after 3 months and weekly follow up emails that Flagstar has not provided a response to the deferral request.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # chapter XXXX bankruptcy, 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

This is my 2nd attempt to correct inaccurate information on my credit report. 
My name is XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
This should be the only address showing on my credit report and all others should be deleted. 
Please see the attachment to show proof of the above claim.
Consumer complaint received 2020-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I applied for a business loan of {$10000.00} through Loan Me on-line at 22.5 % interest, We went over the details on a recorded line onXXXX for over a half an hour. confirming all the legal information. I then received the {$10000.00} XX/XX/2016 for a business loan. Loan Me started receiving payments from me via autopay from my checking account XX/XX/2016 in the amount of {$920.00} then again XX/XX/2016 in the amount of {$840.00}. I checked my balance in the middle of XX/XX/2016 and the payments weren't reflected on my account. I called customer service to ask what happen to my payments. They said I agreed to a 99 % interest, I stated in my conversation of over a1/2 hour on XX/XX/2016 with their loan representative it was 22.5 % interest & I wanted a copy of the phone conversation they recorded. They refused. This is bate a switch tactic at an extreme lever and I stopped paying Loan Me. This is fraud & I don't know how they are able to state in business
Consumer complaint received 2020-06-20
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Thaxton Investment Corporation (AL)

Repeatedly called my job. Repeatedly called my references. Calls me numerous times a day starting at XXXX. 
I asked them to stop calling my job and they continued and then a representative named XXXX called my job threatening legal action and demanding to speak to my manager. 
I spoke with the manager at this location ... Covenington Credit in XXXX XXXX Al XXXX ... and told her everything and asked that they not call my job or references. Told her it feels like I'm being harrassed because I missed a {$99.00} payment when my hours were cut at work. She assured me they wouldn't contact me at work or my references. Then the numerous harassing phone calls started. It has gotten so bad that I blocked them from calling. My phone won't ring but they still get my voicemail. Yesterday they started at XXXX XXXX. Last week it was at XXXX. 

I want them to follow guidelines and asked them to do so and yet they still continue. I don't know what else to do. I am doing side jobs to try and earn the money to pay them. They will not do any type of arrangement during pandemic shut down because I was employed no matter that my hours were cut drastically. I am no longer employed.
Consumer complaint received 2022-07-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (GA)

Well I wasn't there on closing... But my wife closed the account ..Never explained any details.. 3months.she filled divorce .. took control of the house.. got a protection order to keep me away.. idk if extra money was loaned or not.. bank accounts was emptied and closed.. I have no assets... She controlled everything.. I was out out wit nothing. Help..
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-06-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NV)

Opened a Chase Checking account just about a week ago. The next week it closed and they have not even sent my debit card yet. I had a total of $ XXXX deposited in the account and it was just closed without prior notice. I need to pay my bills and need to buy food. I don't have access to MY money. This act of Chase should be illegal. I never write complaints to companies or any reviews but this is actually my first because this is outrageous. DO NOT bank with chase.
Consumer complaint received 2022-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2020-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, while attempting to do an Early Access loan against a future Direct Deposit, Fifth Third bank took the amount I borrowed ( {$60.00} ) from my checking account and applied it to a credit card they claimed I had back in 2006. I have never received any paperwork with regarding to this account. In fact, I do not remember having such an account back in 2006 ; 14 years ago. Supposedly, the number of the account ends in XXXX. 
I do not owe Fifth Third any money and I believe their action is fraudulent. Afterall, if the cost is legitimate, why did it take 14 years to deal with it ; and then, only when I do an Early Acess to pay for my prescriptions. Frankly, I do not even recall having such a credit card.
Consumer complaint received 2020-06-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (MN)

Today, XX/XX/2020, a lady came to my home to serve me with papers for a lawsuit from Cavalry SPV I , LLC. The reason for my complaint is because she came to my home where myself, my elderly parents and my XXXX children reside. My parents both have underlying health issues and are both over age XXXX so high risk for covid 19. My youngest child age XXXX months has a XXXX  XXXX XXXX  and is high risk for covid 19. I am afraid this lady may have put my family and I at an unnecessary risk during the covid 19 pandemic. She was wearing a mask but came closer than the social distancing measure of 6ft to me and I had to touch the pen and clipboard to sign for the papers. I already have had XXXX XXXX over the covid 19 pandemic and my parents being elderly and having pre-existing conditions but mostly my XXXX XXXX old daughter XXXX XXXX and her XXXX  XXXX XXXX. This could have waited until the pandemic is over.
Consumer complaint received 2020-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Ambulance was called by another party while ill. Medical care was not necessary, was not given a choice in the matter. Privately owned ambulance service able to charge outrageous amounts with no oversight from hospital, acting without cause and confirming no information about patient at scene outside of methods to charge money.
Consumer complaint received 2020-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/XXXX I reached out to Resurgent Capital Services ( owner of LVNV Funding LLC ) to ask the TOTAL payoff amount of my Acct # XXXX. The original debtor was for an XXXX XXXX credit card account. Associate on the phone advised me ; " the total payoff amount TODAY is {$240.00}. '' I paid that exactly that amount by phone on XX/XX/XXXX. 

Yet today ( XX/XX/XXXX ) I received a letter stating the {$240.00} I paid was the " 1st installment in a payment arrangement. '' This is inconsistent with what I was told by telephone. So despite my paying this account in full, I find myself being extorted for another payment in the same amount ( much more than the original debt ). And the company has not even posted the payment I made to the credit bureaus. When I made the settlement payment I asked the associate when would a letter be sent to me confirming the paid off status so I can submit it to the credit bureaus. She stated " we have already posted paid off 's for this month, and will not post again until next month. It won't be reported to the credit bureaus until then. '' It has already been one month, and my paid off status has not been reported to the bureaus. The demand for a second payment is fraudulent.
Consumer complaint received 2022-07-13
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: Io, Inc. (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-06-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This issue is an on going issue and is physically and mentally draining. TransUnion is not impartial. XXXX XXXX was allowed this year to report each month a late payment so that it shows up on my credit report as late payments. That account was closed as of 2016 how can they report as late? Additionally Transunion allowed a {$290.00} false charge to remain on my credit for over a year. After I again sent prove it was incorrect they deleted the items. When an item is deleted Transunion is not crediting my credit report with increased FICO scores. The deleted account should be applicable with a score to match. Transunion allowed XXXX XXXX to delete my mortgage history almost two years ago thereby lowering my credit score. An erroneous medical debt for approximately {$800.00} was removed two weeks ago, they did not increase my score. They should be investigated. They removed an invalid collections item from XXXX and never increased my credit score. So it is situation after situation, where they do not do what is right for the consumer but rather big business. Check my credit history what I am stating should be easily be verified.
Consumer complaint received 2022-06-30
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. (NJ)

I sent a dispute letters to XXXX, XXXX and Equifax asking for this company to remove some personal information that was absolutely devastating to my reputation. They have records information on my report that wasn't told to me or acknowledged by me to report of erroneous information such as charge offs of accounts that still have a balance. I believe XXXX has violate my consumer rights and violated my privacy. 
The accounts that I'm referring to is XXXX, XXXX XXXX, and XXXX XXXX. 
I have ask for them remove these accounts and they stated it was verified. How so, if I wasn't told about the information that was given to them to be true. The information they have is not factual. As per the FCRA any information that I didnt give authorization is supposed to be excluded .I have been getting denied from trying to get a home. Please help me have them fix this grave error by removing these negative remarks.