davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself. This company is currently showing XXXX days late for the month of XX/XX/2020 in XXXX. 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 XXXX )
Consumer complaint received 2022-07-04
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)

In accordance with the Fair Credit Reporting act XXXX OF XXXX ACCT # XXXX and XXXX, CHILD SPRT ACCT # XXXX, XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXXXX/XX/XXXX XXXX ACCT # 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 an account without my written instructions Also, XXXX OF XXXX is showing 2 different account numbers ( XXXX and XXXX ) which is an inaccurate reporting of information
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY (NY)

I was threatened by a XXXX XXXX from a XXXX XXXX XXXX XXXX XXXX Firm. I received a phone call stating that their was a client who had sued me in the county I lived in and that there was a judgement against me. From there, I was told I had one opportunity to resolve the matter with the client if I selected " 1 '' on the keypad of my phone, which I did. I was connected to " The desk of XXXX '' who then recited my social security number to me, as well as the county I live in. She told me she worked for a mediation firm who was hired to resolve this matter as there was a judgement and claims against me in my county as we speak. When I asked the name of the company she told me they were " XXXX XXXX XXXX  ''. When I asked her if she was attempting to collect a debt she said " we are just trying to resolve this '' but could not tell me a way in which they were trying to resolve anything, other than taking my money. Afterwards, I asked her if she knew they were violating FDCPA, she said they were not because the statute of limitations on the debt didn't apply, which is false. I asked to speak with her manager and the man I was connected to said that they were hired from Wachovia and a place called XXXX. After I asked further if they were hired by these companies or if they had purchased the debt from one of these companies, he hung up on me. When I called back he said that they had misidentified me, they were looking for a DIFFERENT girl who had my name and social security number and they would be returning these files to their clients. When I said that can not be considering they had all of my information and that I was going to follow up with the legality of their 'firm ' he replied with more threats, stating that I had falsified information by confirming a birthday that was no my own and that I should think about that. I told them I was confident they had purchased this XXXX XXXX XXXX debt and were collecting from people illegally while using abusive tactics and he said because I was accusing them he would have to terminate my call and would not answer afterwards. I feel so sorry for the people who do not know better and fall for these aggressive tactics. This all happened on XX/XX/21 and I never got to hear how much they were claiming I owed before they were too scared to give me any other information.
Consumer complaint received 2021-05-12
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: GOLDMAN SACHS BANK USA (PA)

Complaint about Apple Goldman Sachs credit card deceptive billing practices. There are no options to receive paper statements. Not all customers are computer savvy or able to decipher Apple 's confusing online statement. There is a card balance payment due once a month. There is a separate screen which is difficult to find containing an " installment balance '' with the total balance due. The minimum payment gets transferred to the " card balance '' each month, then showing a balance of " zero '' after the minimum is paid. This is incredibly confusing not allowing to view a total balance due to be visible unless you know the exact place to click. It was so confusing that I had to call to find out if there was minimum payment due, and what the balance was left. The payment was made on time every single month. Emails are not always seen, and upon calling for help, I was told I had no balance due, that there was no payment due, and that they could not see a problem or late payment anywhere. They still reported XXXX as 30 days late! I had to call for a supervisor who spent at least 30 minutes attempting to explain how this happened. She apologized up and down and told me to try filing a dispute again as it did seem very confusing. They still have not removed the late payment and their XXXX  deceptive billing procedures are the cause of this mistake. They are hurting consumers who are older or may not be able to understand their deceptive billing display. I am considering retaining counsel as this mistake should not cost me for 7 years. Credit should not be affected because someone is older and a company does not give an option to receive paper statements. Not even an option available to pay for a statement to be mailed out. After much research, come to find out that Apple offered a deferments to their customers due to COVID but I never heard a thing about it. My husband lost work for 12 months and not only did they give me incorrect answers, but failed to inform me about help that may have avoided this in the first place.
Consumer complaint received 2022-05-03
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (NJ)

this complaint is against PHH Mortgage. I have paid the loan off in full over 30 days ago and have asked for the Lien Release Document and have not been able to get it. the loan was paid in full on XX/XX/XXXX and i still do not have the lien release document and i am going to settlement on the home and need that paper. i have asked them and they keep telling me they are working on it. it has been over 30 days!!!! Please help!!!
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Zillow Group Inc. (MI)

I remortgaged with Zillow mortgage LLC Zillow mortgage account number XXXX. First payment was Sent in XX/XX/2021 to Zillow mortgage through XXXXXXXX XXXX XXXX XXXX XXXX reports check cashed ). Zillow mortgage sold the mortgage to XXXX XXXX I sent a payment in XX/XX/2021 to XXXX XXXX, they received one payment. I telephoned Zillow mortgage, the worker confirmed that the mortgage had been sold to XXXX mortgage, but did not see a payment. Zillow mortgage LLC has not responded to my complaint. Where's my {$920.00}?
Consumer complaint received 2020-07-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

got a divorce in XXXX and was awarded the home. My ex wife signed a quit claim deed to remove herself from title to the property. I experienced a job loss and hardship and received a modification from Carrington which she did not have to sign. In XXXX I suffered another job loss resulting in a delinquency. I obtained new employment with the state and received a trial modification plan with payments due in XXXX XXXX and XX/XX/XXXX. I have made the XXXX and XXXX payments when Carrington denied the modification because my ex-wife did not sign the modification agreement. This was not necessary before and she is not on good terms with me and will not sign anything which further obligates herself.
Consumer complaint received 2022-10-17
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. (GA)

I HAVE MULTIPLE ACCOUNTS REPROTING ON MY CREDIT REPORT THAT I HAVE DISPUTED BUT I HAVE NOT GOTTEN NO RESPONSE. I HAVE NOT OPENED THEWSE ACCOUNTS IN MY NAME I NEED THESE CREDIT COMAPNIES TO REMOVE THE ACCOUNT FROM MY REPORT.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, On XX/XX/XXXX I noticed that my credit score on XXXX had took a BIG decrease on my points of 24 points. So I called XXXX on XX/XX/XXXX and talked to a person name XXXX to ask why a big drop on my points when I was doing fair on my points. Well XXXX who is a specialist stated to me that XXXX XXXX XXXX  XXXX put a nasty remark on my profile on XXXX all because I wanted to Dispute the Double Jeopardy Accounts on my Credit File. Now I'm not sure if XXXX and TransUnion will be affected by this nasty remark, but if so I want all three credit agency to be notified and not affect my points. 
I filed a Dispute with XXXX, XXXX, and TransUnion about XXXX XXXX XXXX  XXXX with the same account as XXXX. In my letters I explained how I wanted XXXX XXXX XXXX  XXXX removed from my credit report because it was a duplicate account with a different name. XXXX was sold to XXXX XXXX XXXX  XXXX . However I was always in good payment with XXXX it's just XXXX XXXX XXXX  XXXX bought XXXX Accounts from every customer. So back in XX/XX/XXXX my husband and I fell on HARDSHIP and settle all our debts with XXXX XXXX  and paid partial to XXXX XXXX XXXX XXXX in a settlement. Have copies to send you. Also I have been trying since XX/XX/XXXX to dispute all inquiries from XXXX and TransUnion dated on XX/XX/XXXX that I did not authorize or give permission to anyone to pull my credit report. If you can look at the attached paperwork you will see which one I have been trying to dispute with XXXX and TransUnion. XXXX have removed all inquire but XXXX and TransUnion will not remove and giving me a hard time. Please take a look at XXXX XXXX XXXX  XXXX and see why they have retaliated against me by leaving a bad remark on my credit file with XXXX. But also this bad remark may be on XXXX and TransUnion in a few days. I really want XXXX XXXX XXXX  XXXX removed from my credit report now since they have been rude and with the double account. Thank you for your time in this matter.
Consumer complaint received 2021-02-21
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. (MD)

I would like to report the illegal actions, wrong doings, and improper investigations of my complaints of fraudulent and identity fraud activities on my credit report. Experian knowingly allowed 3 creditors on my credit report, after I reported identity theft and fraud to them. I reported identity theft to Experian from XXXX to XXXX. In XXXX, I had asked Experian to put a note on my credit report to not allow credit inquiries and to not verify my identity to potential creditors, without my written consent. Experian did not put the alert on my account, until my 3rd request and not also not until I kept reporting fraudulent activities on my credit report. After Experian placed the note on my credit accountnin XXXX, they still allowed 2 credit inquiries on my credit report, without my knowledge, doing, and written consent. The credit inquiries were performed by XXXX XXXX and XXXX, in XXXX, after Experian placed a note on my file that no credit inquiries are to be performed, without my written consent. They also allowed 1 other creditor on my credit report named XXXX XXXX XXXXXXXX for {$400.00}. This account does not belong to me and I do not have any knowledge of this account. I also have not had no dealings with this company. This company also do not have all proper identifiable information, to identity me. XXXX XXXX XXXX does not have my mailing address, email address, phone number, nor my credit card information to claim that they extended credit to me and to say that I have an outstanding balance. Experian did not perform a proper investigation. Experian is the only reporting agency that I've had these many issues regarding fraudulent, stolen identity/fraud activity, and credit inquiries on my report, after knowing my identity was stolen and after placing a fraud alert and note on my credit report. Experian also continues to give creditors who are as a result of stolen identity and with whom I have no dealings and knowledge of, my home address. I would like for Experian to remove XXXX XXXX  XXXX for {$400.00} from my report. I have no knowledge of this company. This account is fraud, due to stolen identity. I would also like Experian to remove the credit inquiries by XXXX XXXX XXXX and XXXX from my credit report. I would also like for Experian to stop providing my personal information to creditors, particularly when they do not have my proper information, due to fraud and stolen identity.
Consumer complaint received 2021-11-24
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. (IL)

I PURCHASED A MOTORCYCLE TIRE AND FINANCED IT THROUH XXXX IN EARLY 2021. I HAVE MY CHECKING ACCOUNT NUMBER AND IT WAS DEBITED MONTHLY. LATER ON I GOT EMAILS SAYING MY ACCOUNT WAS PAID LATE, WAS IN DEFAULT, ETC. XXXX  SUBSEQUENTLY NOTIFIED EXPERIAN THAT MY ACCOUNT WAS IN DEFAULT AND MY CREDIT TOOK A BIG DIVE. 

IF PAYMENTS WERE MISSED OR WERE LATE XXXX IS TO BLAME. THESE PAYMENTS WERE TO BE AUTOMATICALLY PROCESSED AND DEBITED FROM MY ACCOUNT. EXPERIAN HAS BEEN NOTIFIED OF THIS ISSUE BUT HAS NOT RESPONDED TO ME. XXXX TURNED ACCOUNT OVER TO A COLLECTION AGENCY. I CALLED THEM AND NOTIFIED THEM OF THE PROBLEM AND THEY AGREED TO STOP COLLECTIONS. BUT IT IS STILL ON MY CREDIT REPORT AND I WANT IT GONE -- AND AN APOOLOGY
Consumer complaint received 2021-08-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc. (ID)

I noticed today on XX/XX/21 that I had a negative mark on my credit report from a collection agency called GLA Collection Company. One, I have never received anything in the mail form this company validating that this is a debt that belongs to me. Two, I have never received any calls from this company before they decided to place this on my credit. 
The original owner of this debt is XXXX XXXX XXXX and I have tried to call them multiple times to let them know that this fee doesn't belong to me. Before I left there property I spoke with the manager and was informed that there were many roommates in our apartment and I wasn't going to have to pay this. 
Regardless, this derogatory mark was placed on my credit report on XX/XX/21 and I consider it threatening and extreme harassment of my emotional and financial well being to do this without even a single attempt at contact written or otherwise. If this is not closed and removed from my credit report, because I was told I would not have to pay it, I will take legal action.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (LA)

There has been statements which have not matched my records and statements which have not been in accordance with the disclosures that GENESIS FS CARD SERVICES that I have received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b. 


The billing statement I received by GENESIS FS CARD SERVICES on XX/XX/2020 is a billing error. To clarify and addressed such subject matter contained in this billing statement I am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in XXXX XXXX XXXX. To verify such alleged amounts, I want to see both journal and credits of account and ledger and debits of account to verify the current accounting and taxes associated with this account. Also, I am putting all of the past from the date the account was open, present, and future billing statements in dispute also until I get provided the documentary I am requesting to clarify and address the matter. 



15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done GENESIS FS CARD SERVICES can not report late payments in accordance with regulations of the XXXX12 CFR 1026.13 ( d ) ( 3 ). If GENESIS FS CARD SERVICES reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b. I am disputing billing error on past billing, from the time the account was open, present, and future until you provide me with the documentary evidence I requested in this statement and therefore it is a violation for all the late payments you posted onto my reports so I need this updated immediately. 

GENESIS FS CARD SERVICES as the creditor may not collect any disputed amount, I the consumer does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by GENESIS FS CARD SERVICES will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for GENESIS FS CARD SERVICES for the actual damage caused to me as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error. 

with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S.Code 1666 ( e ).
Consumer complaint received 2022-08-01
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-24
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. (GA)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the XXXX. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-08
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. (SC)

XXXX XXXX I completed a letter to all credit bureaus on inaccurate reporting for several accounts on my credit. They are reporting 3 different dates/years on charge off accounts. I requested for the credit bureaus to delete the account. The initial response was verified. I have also provided screen shoot within my letter from XXXX XXXX. I am submitting a second notice for the removal of the inaccurate charge off accounts.
Consumer complaint received 2021-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.