davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Suttell, Hammer & White, P.S (CA)

I had attorneys from Suttell & Hammer, The name of the attorney is XXXX XXXX XXXX, they sent me letters. It about a debt that they claim that I owe. So I sent them a letter responding asking them to prove and show this so-called debt that they claimed that I owe. They sent me a letter with my name on the front of the envelope. But when I open the letter, it showed that the information belong to a different person. So obviously, there is some identity theft. When they sent me this information they claim that would prove that I owed something. They sent me all these documents from somebody else 's record. The other thing was the missing handling of my personal information, I Do Not know anything of this so-called debt, that they are talking about. So, how are they able to have my personal information without me knowing about it. They could have sent my information to someone else. I am going to have to worry about people coming to my house or taking my information to sign up for credit and other things in my name. So, I am writing this complaint. It has to be identity theft or the miss handling of my personal information.
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (OH)

This is not my account my account. I did receive any mail with the opportunity to dispute. Please provide validation of the debt, method of verification and Assignment of debt. Please Delete ASAP. 

XXXX XXXX XXXX  # XXXX
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (VA)

My credit repair XXXX have sent in multiple documents to XXXX, XXXX, and Equifax as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and XXXX XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of XXXX, XXXX and Equifax about their unethical practices at their companies. 

On XX/XX/2022, there was a CFPB complaint sent in : reference # XXXX This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. This is my last time doing this and I will sue all XXXX companies. 

Everything that I have ever filed will be attached to this complaint for proof.
Consumer complaint received 2022-12-30
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. (VA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

In XXXX of 2018 I had my wife apply for a refinance loan on our home with Wells Fargo. We were told that it would cost us XXXX for a appraisal fee. About a week later when we asked about who we had to use because they were suppose to let us know, they told us no worries they had done something called a quick appraisal. And it would only cost XXXX. So I asked what they did with my money for the appraisal. Their response was that they would just put it on the end for the fees. Which we had been told they would roll it over into the loan and we wouldn't have any. What bothered me the most is that they didn't seem to want to tell me about this because they had done it at the beginning. And I had to ask before I even knew what was going on. I think they need to let their customers know whats going on. And I was very upset. I cancelled the loan process, and they kept giving me the run around about giving me my money back. They finally sent the difference back from the quick appraisal.Which honestly I shouldn't have had to pay because I didn't ask for it, or wasn't even told anything about it. I think Wells fargo has a lot of issues with their employees, and how they handle their customers. I would have reported this earlier but didn't know where to report it. They knew I was XXXX, and had a hard time understanding, and that my wife had to help me. So I feel like I was taken advantage of due to this fact.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XXXX, Equifax, and XXXX have so many different discrepancies ' between all 3 accounts and information provided that it has been causing me hardship to obtain new credit or purchase a home. All information should be reported correctly between all 3 but none of it makes sense. I have tried numerous times to contact all 3 credit reporting agencies, but information still does not get updated correctly. As you can see from what I have attached below XXXX is giving me 3 different scores across 3 different platforms. Same is with XXXX and Equifax.
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SG and Associates (MO)

I have been repeatedly contacted by a Stafford Group on behalf of a XXXX XXXX account that I have been trying to dispute. My brother did a lot of fraud and identity theft on family members, I'm not sure this debt is mine and have asked for confirmation in the past. I never get it, and they stop chasing me a while. I moved almost two years ago. I was contacted today saying that they have sent legal documents for proceedings against me. I told the person that I haven't lived at the address they were sent to for some time. I get bumped up to what I am told is a legal case officer, who proceeds to tell me that she refuses to allow me to contest the debt as she is already in legal proceedings against me over such. We wind up in an insult match where she tells me that she will have me in court and take money from me regardless. This is heated, unscrupulous behavior. This agency knows full well that I have attempted to refute this debt on every occasion they have contacted me, and now that they know I have not received the filings sent to me are still trying to pursue this debt I ask to contest. 
I need immediate assistance please.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX 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 2022-05-24
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-17
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. (SC)

The accounts are showing as open, the account is charged off. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX credit 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 2019-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (TX)

I XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/22 I deposited {$500.00} of cash into a Chase ATM for my Chase total checking account and received an error message on the screen saying the funds could not properly be deposited. My money was not returned and I received a receipt instructing me to call a number ( XXXX ) to make sure the deposit went through with no further information. Upon calling, customer service said they did not see the funds but processed a claim on my behalf and I received the missing deposit on XX/XX/22. Without any notification, the claim was reversed exactly a month later on XX/XX/22, and upon calling I was told that the cash was not found in the ATM and there was nothing Chase could or would do to remedy the situation. This resulted in my account being over-drafted and multiple conversations with Chase employees telling me that there is no way for my money to be returned to my account.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (DE)

Received Citi card statement for {$30000.00} for XXXX/22XXXX/22. 
Paid online through XXXX XXXX XXXX Bank {$3000.00}. XXXX/XXXX/22. 
Charged again in XXXX with late fees {$72.00}. 
Citi lost the payment apparently. 
Finally, we received with Citi cards accepting responsibily and crediting our acount XXXX/XXXX/22. 
Paid final payment to cose the account {$140.00}. XX/XX/22 We have continued to receive late charges in a monthly which we have paid {$290.00}. 
My wife and I are XXXX XXXX XXXX and we pay our blls. Citi cards is attempting to take advantage of us.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Penn Credit Corporation (FL)

Penn Credit Corporation : {$250.00}. This was paid at the Hospital during service - I was never made aware of this credit issue. Hospital has payment in file. 

XXXX XXXX XXXXXXXX XXXX XXXX {$75.00} : XXXX was paid thru the insurance and contacted the hopsital who billed the insurance. 

XXXX XXXX {$1200.00} : This was repeatedly communicated to bill the insurance and insurance did assume the cost.
Consumer complaint received 2022-10-03
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I have a FHA loan. My loan was with XXXX XXXX and on XX/XX/2022 I was sent a post COVID forbearance modification. It said that my first payment was due XX/XX/2022. Beginning XX/XX/2022 I started calling XXXX XXXX XXXX to make the payment. XXXX XXXX XXXX would not accept my payment and they told me I had been transferred to XXXX. I did not receive a welcome letter from XXXX giving me a new loan number or a phone number to call. I continued to call XXXX XXXX XXXX and XXXX and neither lender could find my loan or would accept the payment. Finally I received my welcome letter from XXXX with my new loan number. I then made my payment in XXXX and XXXX to XXXX because I then had a loan number where they could identify my loan. I feel as though I lost an oppurtunity to receive FHA assistance that should have been available. XXXX is now stating that the modification is no longer available. I tried to follow the modification, however they sent it to me weeks before payments were to start with no indication of how to make the payments. I feel that the transfer between XXXX XXXX XXXX and XXXX made it impossible for me to adhere to the rules of the modification.
Consumer complaint received 2022-06-03
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. (TX)

I sent letters of on XX/XX/2002. My tracking numbers from XXXX are XXXX # XXXX, Equifax # XXXX, and XXXX # XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15usc 1681, I have the right to privacy. Also according to USC 6802, No financial institution is suppose to share my information to any third party. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-07-17
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. (AZ)

Hello, I sent XXXX, XXXX, and Equifax explaining that the XXXX XXXX XXXX XXXX was a fraudulent account. I sent them an FTC report and a police report. 

All three credit bureaus have failed to uphold the law. The law is very clear and it states the furnisher must block a fraudulent account within 4 business days and notify all creditors
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Consumer complaint received 2022-07-14
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. XXXX XXXX services has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX services under 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.