davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
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. (MI)

A request was submitted to Equifax credit reporting agency to resolved a disputed item in the credit report, item XXXX for an alleged debt involving alleged creditor XXXX. A dispute and request for investigation for removal was mailed to Equifax on or about XX/XX/XXXX for myself. I alleged that the alleged debt was non existent and could not be substantiated and thus was incorrectly reflected as a charged off account on my credit report and demanded the debts investigation and deletion. 

To this date, XX/XX/XXXX, Equifax has failed to investigate the claim or respond in any meaningful way. They have failed to respond within 30 days.
Consumer complaint received 2022-03-09
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. (AL)

Equifax has not removed the accounts. Am I to take from the actions of Equifax that they do not need my written consent to report these accounts as I have pointed out are a violation to me as per the codes 15 U.S.C 1681 section 602 A & 15 U.S.C 1681 Section 604 A Section 2? The following accounts need to be DELETED! I am being greatly damaged due to these reports as a consumer. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX- account # XXXX, and XXXX XXXX XXXX # XXXX XXXX have XXXX 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 an account without my written instructions.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OH)

My account that has been open for over 10 years was closed with no warning or opportunity to prevent closure. I was notified via email at XXXX XXXX  EST that my account was closed, called immediately requesting that the account not be closed, and was told that to reopen the account I would have to get a new account with a full credit check. 

I was giving not given sufficient warning that was going to happen, and this is negatively affect my credit score.
Consumer complaint received 2022-04-22
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. (AL)

XXXXXXXX XXXX {$3700.00} XXXX XXXX {$2100.00} XXXX {$220.00} Added XX/XX/XXXX Company was contacted by attorney for payment settlement offer and respones exceeded the insurance for pay out. Case opened XX/XX/XXXX & XX/XX/XXXX. Settlement with Insurance company was on XX/XX/XXXX. My attorney contacted XXXX XXXX, XXXX ( XXXX XXXX ) numerous times to no avail. I directed them back to my attorney and have since received numerous calls at all hours of the day. 

US Department of EducationXXXX {$53000.00} Added XX/XX/XXXX Company was contacted about student loan forgiveness application being submitted. They steadily increase the interest which has risen from {$33000.00} to {$53000.00}. Case Opened XX/XX/XXXX. Institution closed down citing financial challenges and accreditation issues. No transfer of credits. Student Loan debt clean. 

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX, XXXX and US Dept. of EducationXXXX have violated my rights. 

15 U.S.C1681 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 an account without my written instructions.
Consumer complaint received 2020-09-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MA)

My loan had been sold to Freedom Mortgage in XXXX. Since XX/XX/2020, I have been receiving harassing calls to refinance several times a day, 6 days a week. I have requested they stop calling me, placed my number on the go kit call list, and outright stopped answering their calls. They continue to call and its annoying and harassing at this point.
Consumer complaint received 2020-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phoenix Financial Services LLC (NY)

I saw my credit score was down in my XXXX  XXXX account {$960.00} debt for phoenix financial service.But I dont recognize it.I never get any money or service for anybody.It maybe a name similarity or somone used my information.
Consumer complaint received 2021-07-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

My mortgage was transferred to LoanCare in XXXX. My payment remained the same as when I closed on my house in XX/XX/XXXX. My XXXX statement stated they were raising my mortgage payment {$510.00} due to a shortage which after I looked at the escrow analysis, realized it was because they have 3 tax payments coming out in XXXX for {$8500.00} First 2 people I spoke to at LoanCare stated it was because my property taxes doubled. I sent numerous online inquiry requests for someone to call me. It has been over 3 weeks. I reached out to original loan servicer, they got back to me in 2 hrs, told me to contact tax accessor for my county. Called XXXX XXXX Colorado XXXX XXXX, my property taxes only went up {$400.00}. They also told me to tell LoanCare that my XXXX tax bill is still not paid and now has accrued interest. I checked my payment history and LoanCare shows they paid these XX/XX/XXXX. Obviously a lie. I called LoanCare back and they told me they would forward my issue to escrow department and I would have an answer by XX/XX/XXXX still have heard nothing. I paid my mortgage payment per the amount stated during my XXXX statement as well as the website. Now it says I am passed due 9 days and the amount due is totally different than my statement. I don't know where they are getting their numbers from but if I can't talk to someone and I can't afford a payment increase of {$500.00}, I will lose my house and it is absurd that my mortgage company will not contact me.
Consumer complaint received 2020-08-28
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. (TX)

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$2400.00}, per the FCRA this is a violation, balance should be XXXX Date Opened : Inaccurate Balance : Should be {$0.00} High Credit : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate Date of Last Payment : Inaccurate
Consumer complaint received 2022-11-19
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-08-28
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. (FL)

I reached out to Experian regarding fraudulent accounts on my credit report that were opened by someone who stole my identity. I provided them with an FTC affidavit and a copy of my Florida driver license. Per the Experian website, police reports should only be filed when one can identify the person who stole my identity, or if I have specific information that can aid a police investigation, my information was used in an encounter with LE, or a creditor requires me to file a police report. None of these apply to my situation. Furthermore, I have already made contact with local law enforcement prior to disputing this information or filing FTC report. I was advised that they are not making house visits for such reports at the moment due to COVID-19 and the officer stated that unless I have evidence that will help their investigation ; I should instead file a report with the FTC and send it to the credit bureaus. Which I have done. However, I received correspondence from Experian tonight stating that I need to provide a police report which ( in their words ) would hold me accountable to  XXXX   charges should I be providing false information. I am appalled that they would report fraudulent information caused by an identity thief, but will make me jum through hoops even though they themselves advise against the police report! I am so distraught with everything that is happening, my entire livelihood is at stake and this credit bureau is illegally maintaining damaging information on my credit report against my will and against their own guidelines!! I am attaching id theft guidelines provided to me by my local sheriff department as well as Copies of Experian guidelines as stated on their website. I am also providing screenshot of the email I received from Experian this evening invalidating my dispute. Please help! The following is quoted directly from the email I received from Experian I. Response to my dispute and FTC affidavit : If you do not provide Experian with the required information specified below, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked.

The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : It was not filed with a law enforcement agency which subjects the person filing the report to XXXX  penalties relating to the filing of false information Law enforcement sent me to FTC, which acts as the primary law enforcement agency for identity theft. This should be more than enough to block and remove these fraudulent entries.
Consumer complaint received 2020-08-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/XXXX and XX/XX/XXXX Portfolio Recovery A, added 2 derogatory marks on my credit report per XXXX XXXX. Upon, further research, these accounts was transferred/sold and I am no longer responsible for the accounts. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and say its mines. According to the FCRA, -- -- -- - has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Had an auto loan that was paid off, I turned it in to purchase another car in XXXX and the dealership said the vehicle was repossessed and obviously not because it was with me to use as a down payment for a new vehicle. It stated profit and loss write off and a balance still on. I have called XXXX XXXX to fix that. They continue to not repair. I have notified trans union and nothing is being done. As I stated, XXXX XXXX bought my car and I used that as a down payment for my XXXX XXXX. It needs to show that it was NOT a write off or profit and loss. It was paid off by me and purchased by XXXX XXXX in XXXX
Consumer complaint received 2022-02-22
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. (MI)

n accordance with the Fair Credit Reporting act 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 2021-03-26
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. (TX)

In XXXX of XXXX, I entered into an agreement with XXXX XXXX XXXX for cell phone service. Subsequently, I was billed twice for that period, once under the old agreement and once under the new one. The company also never honored the new contract and kept charging me per the old contract which was a lot more money per month XXXX XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX. Additionally, we traded in two older XXXX  and purchased two more that were offered as part of the new contract at a {$500.00} savings per phone. Those discounts were never applied as well. I spent many hours on the phone on multiple occasions trying to get this issue resolved, but after four months of not making progress and getting over charged, I was forced to switch cell phone providers. XXXX XXXX XXXX created this entire issue, they acted outside of the contract that they entered into with me, and chose to not fix the issue, though offered multiple chances. I do not owe them this money, and in fact they overcharged me and owe me compensation, for the hours that I spent on the phone with them. Although I have provided Experian documented proof that this is not a debt that I owe, they are refusing to erase the negative credit report from XXXX XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX.
Consumer complaint received 2022-02-22
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. (GA)

You are in violation of the following Federally Protected Consumer Rights : Compliance procedures- 15 U.S. Code 1681a ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information I the consumer never gave Equifax any written consent to report anything on my consumer report.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have a Capital One Venture Credit Card. On XX/XX/2020, Capital One reduced my Credit Limit from {$15000.00} to {$5000.00}. The stated reason was low usage of the card over the past two years. I have missed no payments. I have had no overdrafts. My credit score on XX/XX/XXXX was XXXX. 
I use this card for international travel. I have been stuck at home due to XXXX and then the pandemic thus low usage of this card. Of note, {$5000.00} will not go a long way, if you are stranded overseas. 
I called Capital One on XXXX and spoke to XXXX. I explained these circumstances. He indicated that many people were " shocked '' by the credit changes. But his instructions were that the change can not be reversed. 
This action will adversely affect my credit score and potentially my ability to obtain credit. It renders harm.

There are two classes of consumer affected by this action ; 1. Consumers, like me who have the means to cancel or just not use this card and extend the credit limits with other cards. This will cause a temporary blip in credit score, but likely no long term effect. Still based on the usual assumptions of consumer reporting, this is an unprincipled practice signaling deteriorating credit. 
2. Consumers who have been adversely affected by the pandemic and who do have a change in means. These have been responsible and have not run up debt. Thus, their credit risk is limited. Still, they can not change out cards. These consumers are obliged to use Capital One services and no others. This is an unfair business practice.
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I initiated a link to Simple Card from my XXXX XXXX XXXX. They asked for trial deposits which I provided the next business day. On XX/XX/XXXX I submitted ( from Simple 's website ) an ACH transaction of {$4500.00} from my XXXX XXXX XXXX   account. Two days later on Friday, XX/XX/XXXX, I received a secure message from Simple that the account needed verification. They asked for a bank statement, voided check, or a screenshot. I provided the full bank statement on Friday, XX/XX/XXXX. On Monday, XX/XX/XXXX the funds were deposited into my account but my account was frozen. I called into Simple 's Customer Service the same day. The CSR informed me that he had talked to people in the back office and to call back if I hadn't heard anything by Wednesday, XX/XX/XXXX. They also informed me that my documents were received. 

On Wednesday, XX/XX/XXXX I called back. Another CSR informed me that it would take 5 business days from the day I submitted documents to process. Once again, call back Friday, XX/XX/XXXX if I haven't heard anything. 

It is Friday. I don't get any response from them. At this point, I just want my funds. I don't have {$4500.00} to just give away.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

On XX/XX/XXXX, I mailed letter to XXXX requesting that an account be verified that was reporting to XXXX XXXX, Equifax, and XXXX. On XX/XX/XXXX XXXX sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called XXXX and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because XXXX found it to be unverifiable. I have never received any response from XXXXXXXX XXXX, Equifax, XXXX, or XXXX regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.
Consumer complaint received 2021-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

I am submitting this complaint because I am being extremely affected by CREDIT COLLECTION SERVICES , INC, They are being completely unfair and I dont know how to get ahold on them but through this portal. 


I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I got no notices to my new address despite giving original creditor ( XXXX ) my new address. I was told there were no bills due at time. At my new address I had comcast address and paying my bills, no one told me about anything being past due from my prior address. 


As a last resort prior to taking legal action, Im submitting this complaint to see if CREDIT COLLECTION SERVICES, INC, is willing to resolve this matter by remove tHE account from all credit bureaus. 


My account is : Account number : XXXX. 
Open date : XX/XX/. 
Balance : {$0.00}
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (TN)

My husband XXXX a TN XXXX XXXX XXXX member ) passed away in XXXX. My widow benefits for XXXX XXXX were subsequently placed on a prepaid debit card rather than direct deposited into my bank account. This has since been corrected and my XXXX payment was received in my account but I have yet to receive the card for my XXXX payments. At the direction of the TCRS, I contacted the prepaid card XXXX on at least 5 occasions ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and each time I've been told a replacement card has been ordered and I should receive tracking information via email and the card within a few days. The card never arrives. When I call back we go through the same steps over and over again. I'm a XXXX XXXX XXXX widow on a fixed income and these funds ( $ 470+ ) would certainly help cover my bills. I'm at a loss as to why they are failing to send the card after promising to do so multiple times. I've contacted TCRS as well and they've advised me to work with the card administrator since they do not control this! Please help. I feel like I'm being taken advantage of during this difficult time and don't know where to turn. Thank you in advance. The company name/website is XXXX and the number I call is XXXX.