davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

Equifax will not provide my credit report to my mortgage lender or myself. My lender tried pulling it on XX/XX/XXXX, and the information they were provided was that there was a freeze on my account for " fraudulent activity ''. I have called multiple times ; twice on Friday, XX/XX/XXXX, and once today ( XX/XX/XXXX ). I spoke with a customer service rep on XX/XX/XXXX, and they then transferred me to the dispute center in order to lift a dispute on my account. Both reps stated that my account isn't on a security freeze, and that I should be able to have my account pulled by XX/XX/XXXX. My lender attempted to pull my account twice since the XXXX, and they are receiving " file error '' messages from Equifax. I called Equifax today and spoke with a representative, but requested a supervisor because of the continued issues despite speaking with two reps, and they stated there were no supervisors available to handle my issue. After confirming my identity, the rep informed me that there is no freeze on my account, and that there is no reason that my report couldn't be pulled. I informed the rep that this isn't the case, that there is an issue on the Equifax end, not user error, but the rep kept insisting Equifax isn't to blame. I have researched this issue and found multiple other individuals having this problem with Equifax despite not having a freeze on their account. I am trying to get a mortgage financed, and because of Equifax 's incompetence, I am unable to move forward with the process. I need assistance with this matter.
Consumer complaint received 2019-01-08
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. (LA)

I am a victim of identity theft. Below are the companies who are reporting fraudulent information to the credit bureaus : XXXX XXXX XXXX - {$1500.00} XXXX XXXX - {$2800.00} XXXX XXXX - {$2900.00} XXXX XXXX XXXX - {$1000.00} I have written the credit bureaus and stated it was fraudulent and to no avail it is still being reported on my credit report.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I do not think that is fair that the three credit reporting agencies have " negative '' information on me for accounts that I struggled to pay in full. It's like being punished for trying to do what is right. If I did not pay them, then I can understand having negative information on my account. The credit agencies say that the creditors have to remove the information and the creditors say the agencies have to remove it. I am at a loss trying to get this resolved : - ( If a person pays their bills, then their credit should be good.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IL)

On XX/XX/year>, I sent a letter to the courthouse asking them do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2019-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

Dear IC System : I hereby ask that you verify IC System claims concerning consumer materials conferred to the three credit CRAs for me, XXXX XXXX, for the suspicious account number XXXX, XXXX. Since damaging reporting errors may be vis-a-vis that reported data, I formally request that you document and send the formal validation on your letterhead promptly. Additionally please show that this account was not claimed as a loss with any insuring entity. This is not a request for a summary one-sheet. In lieu of that, I must requisition a full audit. 
If these reasonable demands can not be met during the month following receipt, data uploaded by IC System to the credit bureaus should be deemed wrongful and may evince a nullification of my consumer rights. Given that occasion, you must annul that bureau material directly. 
Thank you for IC System assistance in this regard.
Consumer complaint received 2022-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MA)

Student loan payment refund requested on XX/XX/22. 
Was told 6-8 weeks to receive refund. 
Called multiple times and was told they are waiting for treasury and that it can take 8-12 weeks. 
14 weeks later,  still no refund or update.
Consumer complaint received 2018-12-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Community Health Investment Company, LLC. (MS)

On XX/XX/2018, I had a procedure done at XXXX XXXX Hospital in XXXX, MS . I was advised that they will bill my insurance and then send a bill for the balance. I received a bill at the end of XXXX for a payment to be made XX/XX/2018. I paid a total of {$40.00} for this month and then began paying {$5.00} per month thereafter. I have been paying each month and XXXX  turned the account over to XXXX. XXXX then started stating the collection is due in full or would be turned over to credit reporting agencies. I responded stating that I could not afford to pay the full balance and that I am paying what I can afford. I have continued to submit these payments each month, but now they have started reporting this as a collection on my credit. I do not feel that this is acceptable when they are accepting and cashing my payment each month and should not be reported on my credit.
Consumer complaint received 2022-10-10
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

According to XXXX Transunion XXXX  Transunion is supposed to ensure Maximum possible accuracy this account violates these laws 15 usc 1681 15 usc 1681s2 15 usc 15 usc i5 15 usc 1681eb Delete account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I have received a targeted offer from American Express to open a card and spend {$5000.00} and receive XXXX bonus points ( I have a print screen ) I have applied for the card, was approved. 
Once I did the required spent XXXX did not want to grant me with the XXXX points they said that in the terms and conditions they had a notice that previous card holders are not eligible. This was not noted on the offer page ( as you can see ) and you had to click on the whole terms and conditions to discover, this is clearly misleading intentinally. 
Also, I did not get any warning that I will not qualify for the offer, moreover, I was targeted for the offer.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX & XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX  & XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2022-12-19
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. (NC)

On XX/XX/2022 I mailed a letter to all three credit reporting agencies with my current drivers license and utility bill to prove my identity and place of residence. I have both mailed and called Experian to address the matter, that the addresses they are reporting are inaccurate on my credit report, I have had no luck getting Experian to fix or update the address, they still continue to report addresses that do not belong to me.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXXXXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) .

The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2021-12-10
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: AMERICAN EXPRESS COMPANY (FL)

I closed My American express account after XXXX years of on-time payments due to them dropping My spending limit from {$50000.00} to {$500.00} for NO reason. The XXXX card costs {$550.00} annually, so I asked for My annual membership fee back. They sent a check, I deposited it. XXXX months later I get a statement for {$660.00}? I closed the account on XX/XX/20, Inquired about the debt, they said they sent a " XXXX Check '' that was cashed? That never happened! I asked to have an image of both signed checks sent to Me and they never did and still have not. It was sent to a debt collector and My credit is still suffering because of their mistake. I hired a XXXX to force the end of this and he got nowhere as well. I have sent letters to corporate, no reply, spent hours on the phone, hired a XXXX with no progress. I have spent more money proving My position and it is still costing Me money every month on other accounts because of My credit rating. 
Please Help!
Consumer complaint received 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XX/XX/2018 My wife and I recieved a letter from XXXX XXXX XXXX XXXX ( XXXX ) that our Mortgage was going up do to a shortage in our escrow account. Upon consulting with my attorney I found this was either fraudulent or gravely mistaken. They were going to raise my mortgage from {$1200.00} per month, to over {$1800.00} per month. I contacted XXXX and explained the situation, More than six times throughout XXXX and XXXX, each time was told the situation would be resolved after x amount of time, it was not. I spoke with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and various others that I did not record their names. Customer Service Managers including XXXX XXXX and a woman whose name I can not recall, advised me to not pay my mortgage. Ultimately the situation has been resolved, however, the entire episode is unacceptable, and I am filing this complaint to clarify my previous complaint, which I wrote when I was extremely upset. 

Thank You, XXXX XXXX
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (AL)

hunter Warfield has been damaging my credit and ive asked them recently to send me verfication of this apartment being mine and they have yet to respond since XX/XX/2018 and this has been affecting my credit for five years and no understanding or removing of this negative mark on my credit.
Consumer complaint received 2021-12-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Affirm Holdings, Inc (NC)

XX/XX/XXXX, purchase round trip ticket on XXXX XXXX XXXX XXXX included rental car. Trip number XXXX and XXXX, I immediately contact XXXX XXXX told the they double charge my account. XXXX refunded one rental and charge second airline ticket and rental. 
Purchase date XX/XX/XXXX Payment method XXXX ( XXXX ) Billing name Affirminc XXXX Cost per person {$350.00} Round-trip Ticket 1 Car for 3 Days Taxes & Fees {$72.00} Number of travelers X1 Due at hotel {$180.00} Trip Protection {$25.00} Total Charged {$260.00} XXXX XXXX AFFIRM * PAY NQ XXXX XXXX XXXX XXXX XXXX  {$77.00} XXXX Transactions XX/XX/XXXX AFFIRM * PAY AQ XXXX XXXX XXXX XXXX XXXX {$43.00} XXXX account ending XXXX unauthorized.
Consumer complaint received 2021-04-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (IN)

On XX/XX/2021 I received notice that 2 collection accounts had been added to all of my credit reports. These accounts are from Medical Data Systems out of XXXX, FL. These accounts were medical bills that were covered by my insurance company that I've had for several years. I denied and disputed the accuracy of these accounts and they were still added to my credit reports.
Consumer complaint received 2021-10-27
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. (PA)

Hello, and to whom it may concern, I've having ongoing issues with Experian. I've tried multiple times to point out to them that they are reporting false and inaccurate information on my credit report. It's been 30+ days now and they have yet to respond to my dispute letter. Experian are violating my consumer rights. I've pointed this out to them and they just don't seem to care and they are not taking me serious at all. Credit bureaus are supposed to be reporting 100 % ACCURATE INFORMATION as well as doing everything that they can to ensure that the information appearing on one 's report is accurate.
Consumer complaint received 2018-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IL)

I saw several transaction notifications in the morning of XX/XX/2018 on my XXXX account. I did not make or authorize any of those transactions. I attempted to contact XXXX immediately but the Customer Support was not open. I changed the password of my XXXX account as a precaution and once the Customer Support was open, I called and reported the unauthorized transaction and that the last transaction that was authorized by me was on XX/XX/2018 for a {$10.00} purchase and any and all transactions after that date were unauthorized. 

The XXXX agent I spoke to on XX/XX/2018 assured that all the transactions would be reversed. 

But on XX/XX/2018, I received a notice from " XXXX XXXX XXXX '' saying I owe XXXX {$1400.00}. I called XXXX again the same day and asked why I received the notice. The XXXX customer service agent said she has filed another case and all the transactions would be reversed. 

On the morning of XX/XX/2018, I saw that the transactions were noted as reversed but the account balance on the XXXX account still shows - {$1400.00}. 

Whenever I try to call XXXX customer service, after providing the information needed to validate the account, the automated phone system states that the account has been placed with a collection agency and I need to contact them directly and it redirects my call to them. It does not allow me to talk to XXXX customer service.
Consumer complaint received 2021-10-27
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. (PA)

Hello, and to whom it may concern, I've having ongoing issues with XXXX. I've tried multiple times to point out to them that they are reporting false and inaccurate information on my credit report. It's been 30+ days now and they have yet to respond to my dispute letter. XXXX are violating my consumer rights. I've pointed this out to them and they just don't seem to care and they are not taking me serious at all. Credit bureaus are supposed to be reporting 100 % ACCURATE INFORMATION as well as doing everything that they can to ensure that the information appearing on one 's report is accurate.
Consumer complaint received 2021-12-10
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. (MD)

I am distressed that you have included XXXX EQUIFAX XXXX XXXX XXXX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Portfolio Recovery filed suit # XXXX in XXXX County XXXX for debt not owed. Also according to their claims the aleged debt is from XX/XX/2011 which puts it beyond the XXXX State Statute of Limitations. Also XXXX does not live in XXXX county, but has been a resident of XXXX   County since XX/XX/2016. XXXX disputed the debt, but Portfilio Recovery has not provided any details of the debt.