davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

Someone opened a credit card at XXXX XXXX using my name, social security number and an address from 12 years ago. 

According to the records obtained by Midland Credit company, whom the complaint is regarding, the account was opened on XX/XX/XXXX of 2019. Whoever opened the account charged multiple amounts to it over the course of three days .... XX/XX/XXXX through the XXXX, at multiple locations in Florida. I only know about these charges because I was provided this information by Midland Credit Company. I never received a credit card statement because of the fake address and never even knew this happened until Midland began calling me, my husband and my mother in law, looking for me and accusing me of owing this debt. I thought it was a scam at first but after repeated calls I checked my credit and the charge was there. I reported this to the credit agencies as fraud and it has since been removed from my credit report. 

I am a stay at home mom that homeschools her children and my husband and I have worked very hard over the last 12 yrs to acquire and maintain excellent credit scores. This was absolutely not me and the phone calls, harassment and finally being sued by Midland have taken a toll on me and my family emotionally and caused undue stress on us all.
Consumer complaint received 2023-01-07
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. (FL)

The U.S Department of Education is posting XXXX charge offs on my consumer report. I want them blocked and removed. I am not benefiting from these accts. If the accounts have been charged off by the government, this means the U.S Department of Education has already received their recompense for the charges and they no longer need to be listed on my consumer report. Also in addition to these charge offs being reported, The U.S Department of Education is also reporting and still saying I owe them this money. Block and remove all accounts from the U.S. Department of Education which are reporting on my consumer report.

U.S. Department of Education - Acct Ending in # XXXX U.S. Department of Education - Accts Ending in # XXXX U.S. Department of Education - Acct # XXXX
Consumer complaint received 2023-01-06
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2023-01-06
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. (LA)

My name is XXXX XXXX and I am a victim of Identity Theft. I received a copy of my credit report and have no knowledge of these unknown inaccurate fraudulent accounts and addresses. I have reached out to these companies many times to remove these accounts and addresses and the respond that they have been verified but has not sent me any documents with proof of verification. These companies have added new dates and remarks to these fraudulent accounts which are closed and charged-off.
Consumer complaint received 2023-01-06
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: TD BANK US HOLDING COMPANY (NV)

In violation of the Heroes Act - late payments were reported during the pandemic from XX/XX/XXXX through XX/XX/XXXX and account charged off XX/XX/XXXX. 
See attachment
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

Open the account with XXXX. Deposited a check for XXXX drawn from the XXXXXXXX XXXX XXXX  XXXX in USD funds on XX/XX/2022, the bank told me it would take 4 to 6 weeks for the check to clear. Found out that the XXXX XXXX XXXXXXXX XXXX has issued the funds to my US Bank account 3 weeks ago. The funds are not entered into my account as of yet. Have had two domestic wire transfers into my account totaling XXXX. So there is a total of XXXX that should be in my account. 
I've tried making some transactions on my account to take care of my business and the US Bank has put restrictions on my account so I'm unable to take care of my business.
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (FL)

I am writing to dispute the fraudulent inquiries that have been made on my credit report. I have never applied for any of the accounts listed. In addition, I have not authorized any person or company to access my credit report. This is a violation of 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.

I request that you investigate and remove any fraudulent inquiries from my credit report immediately.

Please provide me with written confirmation that this issue has been resolved. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

checking my credit report ive noticed alot of invalid information on my credit report I am intrested in processing disputes against all companies on my credit report with transunion to help clear my file.
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc. (NJ)

Southern Management System ( the XXXX apartments ) XXXX XXXX XXXX XXXX, XXXX fl XXXX XXXX. Mailing address XXXX XXXX XXXX fl XXXX stating that i owned {$3000.00} i try to revolve the issue in different ways and what they do every month the updated on my credit report as new .. this acct is more than 3 almost 4vyrs old. And they keep updating it on my 3 credit report every month .and for my understanding this action its a violation of law for reporting old past due as a new.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-01-06
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. (CA)

XX/XX/2022 I reached out to XXXX XXXX with a written sworn affidavit requesting for them to validate the amount owed they continue to provide outdated and erroneous documents. they are reporting to trans union a different amount and continue to report derogatory and slandering information to third parties without my consent and put my name on public list without a resolution. transition  reports {$8900.00} and total balance {$170000.00}. This company has breached there fiduciary duty while illegally attempting to collect a invalidated debt. causing harm to me physically mentally spiritually and financially. No resolution I am ready to go to court with trial and jury.
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple disputes and FTC reports regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 


I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-01-06
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. (TX)

I have submitted multiple disputes and FTC reports regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 


I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-01-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In Accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 Section 602 A. States have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 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 items of information, other than records of convictions crimes which antedates the report by no more than seven years. 15 USC 1681-2 ( a ) ( 1 ) A person shallot 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.
Consumer complaint received 2023-01-06
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: General Motors Financial Company, Inc. (IL)

Consumer complaint narrative In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I strongly believe Navient may be using a tactic misrepresenting my student loan balance for more gains. I believe that this tactic is not legal and/or at least raises a RED flag for an investigation. 

On XX/XX/XXXX, I decided to pay off my student loan of {$23000.00}. I reached out to Navient and was transferred to an agent XXXX in the student loan department. This agent after going into my account sited my total balance of my loan that I needed to pay was {$23000.00}. Which I proceeded to pay over the phone using my personal check # XXXX. At the end of my conversation, I was informed that I would receive a payoff letter. This letter was to never arrive. What did arrive the following on XX/XX/XXXX was a statement for me to pay another {$1000.00}.? I immediately contacted Navient to discuss this error. I was meet with confusion by their agents as to why I was being charged. Their records indicated that the amount sited by their on XX/XX/XXXX agent was correct and they would further look into this issue. I expressed my frustration with them and their system. I informed them that they needed to resolve this issue today. The agent appeared empathic and supportive wanting to finding the answer for me. So starts my archous battle with Navient! after numerous conversations with other agents/supervisors I came across agent XXXX XXXX XXXX. 

On XX/XX/XXXX Team Lead XXXX XXXX # XXXX. After XXXX minutes into our conversation XXXX stated that she would like to go back and lesson to the recorded conversation with me and agent XXXX on XX/XX/XXXX. And if she found that the balance of my account given that day by agent XXXX was indeed {$23000.00} as a full payoff amount. Then Navient will wave the requested fee of {$1000.00}. Satisfied that I would prevail. What arrived was a letter on XXXX XXXX. 

On XX/XX/XXXX. I received a letter from Navient with old dates and numbers. However, admitting fault and that indeed their agent XXXX incorrectly provided me with the wrong payoff amount " That Navient will not be able to write-off the remaining balance and that I would still need to pay the requested amount of {$1000.00} See attachement # XXXX On XX/XX/XXXX to dispute there response letter to me. I was meet with more ridiculous excuses and that they could not honor what Team Lead XXXX XXXX promised. 
" To wave the fees regardless of the facts disclosed in the recording '' It is my hope that C.F.P.B can represent me in this unfair and unjust act by Navient.. 

Sincerely, XXXX
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (FL)

I did not apply for anything in XXXX and XXXX!! Must be XXXX!! I contacted the below creditors and they said it was done online and not in person. They have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. 

I have already filed a complaint and was told to come here. 

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called ( permissible purposes ) that must be met before anyone can inquire a credit file. 

If you have no proof immediately of any or one, I would like it removed immediately.

Please have these fraudulent unapproved inquiries below removed from my Equifax credit report as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
EQUIFAX MORTGAGE SER XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX My correct name is XXXX XXXX XXXX and XXXX is XXXXXXXX XXXX XXXX  Please delete ALL fraudulent names from my report My current address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove all incorrect fraudulent or older XXXX XXXX XXXX addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 
Please add New Employer : XXXX XXXX XXXX. Do not delete XXXX XXXX XXXX  Thank you for your time and help in this matter.
Consumer complaint received 2023-01-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I have called several times dealing with XXXX XXXX I was told they have never received funds from XXXX referenced XX/XX/XXXX payment of {$880.00} nor the past due amount of {$5500.00}. 
The pay was sent but has not been applied to my account. The escalation department refused to address the issue. Will not allow me to talk to a supervisor reference locating the funds.
Consumer complaint received 2023-01-06
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (CA)

We want to pay off our XXXXXXXX XXXX XXXX XXXX held XXXX XXXX for property. A payoff letter from XXXX in XX/XX/2022 was {$32000.00}. XXXX took over mortgage, new payoff is now {$420000.00}. This payoff has increased over {$100000.00} in 5 months. This is predatory and we are unable to pay off this mortgage with this price gouging and are in fear of loosing our home. Please assist asap.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

This is my XXXX FTC complaint against Experian. XXXX Case # XXXX opened on XX/XX/XXXX and more recently XXXX # XXXX Opened on XX/XX/XXXX. After filing my complaint about Experian, going behind my back to check my credit account and wrongfully dropped my credit score. They have now decided to take my credit score completely. stating that I don't have a long credit history, therefore I am Un scoreable. This is a lie. I opened a dispute against them then on XX/XX/XXXX they opened a dispute in my name. then took my score away. I saw where they have removed items of credit summary. This is a clear-cut case of retaliation!! and it is illegal