davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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. (MT)

I have five credit cards open with XXXXXXXX XXXX  listed below. These five credit cards have not reported since XX/XX/2022. I have paid down balances entirely on all of them except the XXXX XXXX XXXX- where I have paid the balance down about {$400.00}. This is not reporting on my credit and when I submit a dispute, I am only allowed to submit one at a time. I still have no reply from the company. This is accounting for thousands of dollars on my credit report- and I have closed the XXXX account and it its still reporting as open and carrying a balance. I can't seem to reach this company and have had no reassurance that this issue will be solved any time soon. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-22
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: CAVALRY INVESTMENTS, LLC (NJ)

I was under " improperly served '' by XXXX County Court of NJ Special Civil Part. Under NJ Law Summons : 4:4-3 Personal Service. Notice of summons Doc XXXX. approx. dated XX/XX/XXXX was judgement date, was sent to an old address being XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Never received, was under XXXX related treatments and hardships. I tried several times to work out a plan dating back with creditor, approx. XX/XX/XXXX. Not willing to make out a plan. Creditor had Calvary SPV I, LLC as Assignee of XXXX  XXXX/XXXX XXXX XXXX XXXX.  Execution Against goods and Chattel, by their assigned attorney XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX.The law firm XXXX went to court had judgement take place, wiping out my checking account with XXXX XXXX Bank . Approx XX/XX/XXXX {$6500.00} was taken from my XXXX XXXX XXXX acct. I just recently was able to get most legal documents. Contacted XXXX XXXX XXXX 's office was advised to file complaint forms XXXX and XXXX. Advising the above parties, the Law firm vacated the Judgement dated XX/XX/XXXX. XXXX and Calvary collections still will not enter into credit bureaus as satisfied, causing me great suffering to move forward in life, struggling in hardships. I am rejected for an apartment, can not move forward. Recently contacted all credit bureaus, still reading on reports by XXXX? XXXX XXXX XXXX as written off closed {$6300.00}, past due well over 90 days, which was paid through this above course of action, and the assignees XXXX  nor Calvary will address the matter with the credit bureaus. I never had a chance to voice or resolve this debt by the above assignees due to not receiving the Court legal summons. Wrong address.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have check my XXXX  and XXXX  credit reports and two accounts (Capital One and XXXX XXXX) that I have paid off on XX/XX/2019 still showing a balance.
Consumer complaint received 2020-04-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I called experian to fix some miss information on my credit report missing and wrong information I attached the proof insted of fix problemthey removed my XXXX XXXX  XXXX XXXX from the credit report for fraud I filed a XXXX  xomplant they ignored the CFPB I had copy of all three credit reports XXXX  said they would fix problem they never did comiting credit reporting fraud they removed my Morgage accoumt from all three credit reporting the said they never herd back from XXXX XXXX  XXXX XXXX on a dispute we bad news I never filed a dispute I have a copy of the recording with conversaion with XXXX  mesaying this is not a dispute this is adding information for payment history formotgage I gave then copy of XXXX XXXX  payment hisfory XXXX  filed dispute without my permision I have proof and a copy of my Bank contract infor showing XXXX  refused to take XXXX XXXX  XXXX XXXX XXXX XXXX  keeps getting a ellectronic responce saying XXXX XXXX  is a fraud account so cant be prosess for report XXXX  cerent credit report shows nothing of XXXX XXXX  all this information was sent in to the prosecuting attorny for prosecution for posable demestic terorisem on my credit report throu XXXX  I am and will file charges no mater the out come
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

I am writing to formally dispute the authenticity of the referenced account, which appears to have been fraudulently opened in my name without my consent or authorization. Upon reviewing my credit report, I discovered these accounts, of which I have no knowledge or responsibility, and I suspect it to be the result of identity theft. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), as well as the relevant Consumer Laws and Metro 2 laws. In accordance with these laws, I hereby request a comprehensive and expeditious investigation into this matter to validate the legitimacy of this account.
Consumer complaint received 2020-04-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (AR)

I had a mortgage with XXXX XXXX company, XXXX XXXX XXXX, XXXX XXXX, AR ( XXXX ). I got behind and they told me if I paid XXXX I would be caught up. I paid the XXXX and the next month they sold my loan to freedom mortgage. Freedom mortgage ( XXXX ), said that I was behind and owed XXXX. Since I just paid the XXXX thinking i was caught up there is know way I can pay the XXXX. So Ive been paying what they, freedom mortgages says is the minimum payment of XXXX. I've paid that for the last two months ( XXXX and XXXX ). I got a statement that said I had til XX/XX/XXXX to pay XXXX. Today I get a statement that says I owe XXXX dollars. There is absolutely no way I can pay XXXX less known XXXX. They bombard me with mail, before I can reply to one letter I receive another letter/statement. Further more I do not know where they are getting all these amounts, and know one can seem to explain it to me. Everyone has an attitude. They also said even though there is a pandemic and we are in economic crisis 's there is nothing they can do for me because I was already behind on the payments. If I was already behind how do you expect me to catch up? Nobody cares ... ... Any information you can provide will be helpful. Im trying to work with them to save my home.
Consumer complaint received 2020-04-06
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. (SC)

Dear DataX Inc, My name is XXXX XXXX and I am writing because of some mis-printed information that is being held in your computer system. DataX has interpreted itself as a furnisher of consmers ' financial integrity, under the FCRA.

Recently, many consumers have been targeted with identity breaches and the hi-jacking of their personal information from many of the outsourced IT and service center vendors, put in use to considerably cut costs on american labor.

In keeping with this information. I believe your company may have received some of this bad information, including my name and personally identifiable information. 

I received a letter of denial, dated XX/XX/2020, from XXXX XXXX XXXX XXXX on behalf of the creditor : XXXX XXXX XXXX. It was of very amusing shock to me, listing poor credit performance as the principal reason for credit denial. With a score of XXXX. 
I am adamantly rejecting any knowledge of any financial account being held, under my name, in your reporting system. 
This is a final demand to remove from my report, all disputed enties, complete a timely update, noting the removal of entreies, within a new report and send, immediately, the updated report to me at the listed address on this complaint. 

I am gong to forward this complaint as well to the Attorneys General office within your home state. 

Loking forward to hearing from you with the updated report.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX at XXXX MST, I called Equifax due to a discrepancy on my account for my name. I had a legal name change in 2019 from XXXX XXXX XXXX to XXXX XXXX XXXX. I am in the process of buying a house and need to have my credit accounts straight. They gave me a fax number and I had faxed Equifax by XXXX with my drivers license and social security number that morning. The representative told me that the documents would be received in 3-5 business days and that it would be processed in up to 5 days. 

I followed up with a call on XX/XX/XXXX at XXXX MST. The representative said that no documents were received. I called again on XX/XX/XXXX at XXXX MST. This time the representative made me use an application were I used my drivers license ( with my current name XXXX XXXX XXXX XXXX and take a picture of myself. He said that he could not verify my ID and could not tell me why. I ended the call. 

On XX/XX/XXXX at XXXX MST I called again. The representative said that they discontinued fax services. The fastest way for me to submit a change was through mail. 

Around XX/XX/XXXX, I mailed the documents to the address listed on their website. My lending agent informed me that we would not need the Equifax credit score for my report. 

However, when my lending agent pulled my score around XX/XX/XXXX, it populated on XXXX ( the credit reporting system ) as " Fraud Reported by Consumer. '' I called Equifax customer service again on XX/XX/XXXX at XXXX MST. The representative informed me that there was no fraud reported and that they could review under my previous name. My lending agent was not able to. They also informed me that they had not received my documents. 

On XX/XX/XXXX at XXXX, I gave Equifax customer service a call. At around XXXX, I also digitally uploaded the files and created a dispute. I received a call back at XXXX and asked to speak with a manager. The representative put me on hold. About 10 minutes later, I was hung up on with no resolution to my problem.
Consumer complaint received 2022-10-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selene Holdings LLC (NJ)

This has been a really stressful week since I settled my mortgage to bring my account up to date. I was told by many of the XXXX XXXX that in order to bring my account to current, you have to make the XXXX due payments. I then made a payment of {$39000.00} on XX/XX/XXXX and the money has been taken out of my bank and registered in XXXX but has not been taken out of my balance. I have spoken to four different agents, one of them said, " your money is not registered '', then he found it. Eventually, then he said, " did you receive a reinstatement letter '', I said that I hadn't and I was told that I just needed to bring my default balance up to date. And that is exactly what I did. I left my account in a balance of XXXX. I have made several phone calls, one of the XXXX stated that I had a pending balance of {$120.00}, and that may be the reason why my payments has not been applied. But then she said, " wait a minute, that money can just can roll over to your XXXX payment. '' I emphasized that I paid the total seen on my dashboard and my mortgage statement and she admitted that that was something that should not occur and that she would discuss that with XXXX. Throughout the week, XXXX XXXX have said many different stories of why the funds have not been applied to my account. But today, Friday, XX/XX/XXXX, at XXXX one of the XXXX mentioned that the cash department is backed up with payments and that it should happen next week. The reason to why am I filling another complaint in regards to this situation is because I do not trust this bank at all. Their services have been really inconsistent and I have researched about their credibility and read about 18 reviews with similar experiences. Experiences where people claimed in that their house was in foreclosure and they did not receive the proper documentations and correspondence. Even when they made payments and the funds would be registered in the principal balance instead of their debt. On that note, this company has not been reliable and I do not trust or recommend it to anyone. I would like my account to be up to date before it gets in a worst standard. Throughout this week, I have recorded many conversations in which it is clear that my house is not in foreclosure. Please help me with the follow up on this and I am also seeking for assistance on this.
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

WellsFargo has been charging my business account XXXX XXXX   monthly since XX/XX/2019 for writing checks to employees. They have also stated they sent a code changing device key chain so I may utilize the codes to login and write checks. I called Wellsfargo several times to resolve. I would like all the fees removed since I have never signed up or utilized the service. Wellsfargo claims their employee XXXX XXXX set up this service. I have never signed up for this service. I would like to have the charges removed.
Consumer complaint received 2022-09-28
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: Self Financial Inc. (IL)

SELF FINANCIAL INC/ LEA ACCOUNT NUMBER XXXX DATE XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX SELF FINANCIAL INC account XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit card plan as a late for any purpose.
Consumer complaint received 2022-03-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

Disputes with the company on XX/XX/XXXX and they updated the account with no verification. however I sent a letter back on XX/XX/XXXX and they continue to not verify the debt, however they also sent the letter out on XX/XX/XXXX when I haven't even sent the letter for the follow up. They lied about the timing they sent their mail. They sent me a letter of the amount being owed but still no verification.
Consumer complaint received 2020-04-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I was not able to initiate online a dispute ( collection ) with the 3 credit reporting agencies. 
I received " system not available '' massages from all 3 agencies ( XXXX, XXXX  and Equifax XXXX. Phone call resulted in long waits and bad connections. I was not able to accomplish the dispute.
Consumer complaint received 2019-07-28
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: Aldridge PIte Haan, LLP (GA)

While attending XXXX  XXXX University in XXXX, GA as a XXXX in 1998, I applied for and received a XXXX XXXX credit card. After paying for some years, I was unable to keep up with my payments and my account went into default. XXXX XXXX referred my account to a collection company. 

Now, after more than 21 years, Aldrich Pite Haan LLP is trying to garnish my wages. They are requesting that I pay {$600.00} a month. I am unable to pay that as after paying my living expenses, I must help my elderly father ( XXXX years old ) who has XXXX XXXX. 

I have been told that the statues of limitations have run out. I would appreciate any help you can provide me with. Please advise me of my options. 

Thanking you in advance.
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC (GA)

In XXXX I got a Credit card with a {$500.00} limit from XXXX XXXXXXXX XXXX when I came home from XXXX in XXXX XXXX XXXX XXXX. I got the card just to establish credit and I spent approximately up only {$300.00} on the card and paid {$100.00} on my first two payments. The amount I paid down on the card was well over the minimum amounts due yet to my disbelief I was told that I owed over {$350.00}. This made no sense at all even with their ridiculous APR 19 % interest on their janky credit card. I never paid them again and told them XXXX XXXX XXXX close this account with that XXXX! 
It's XXXX and XXXX XXXX Bank now has a third party company, Credit Control LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, writing me as of XX/XX/XXXX for {$400.00} well over the amount on what I browed and paid down. They continue to violate my rights as a consumer well over 10 years later even though I filled a bankruptcy sometime between XXXX XXXX after my XXXX  was born. My child is now XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXXXXXX has sold my petty debt XXXX times since I told them to XXXXXXXX XXXX  with that XXXX. Here are the 12 companies who have participated in violating my rights as a consumer to protect myself from fraud, lies and overall bad business practices : 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  The above harassment violates XXXX compliance standards as I mentioned I did file a bankruptcy XXXX years ago and this debt is over 12 years old. Moreover, I did not enter into any written agreement with any of the XXXX private agencies listed above and should be noted by the federal law of the United States of America states that periodic account reviews by an existing creditor or my own requests to check my credit file will and does remain in my file for 2 years. Thus, each time my debit was sold in attempt to collect was illegal in the state of Georgia beyond : 6 years for written communication, Oral contracts and Promissory notes 4 years, and open ended accounts including credit cards are only good for 4 years. XXXX XXXX XXXX  Thank you kindly for your time and consideration regarding this matter. I do expect this violation of my consumer rights to STOP! XXXX Truly, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (OH)

I spoke with the debt collector four times asking them to validate the debt and I also informed the debt collector that I am not responsible for the debt. I sent in all required documentation however they have not yet reached back out to me after I sent the documentation in which was in XXXX of 2021. I am now wanting the original creditor as well as the debt collector to seize all collections of debt. According to the FCRA they are required to complete investigation and validate within 30 days in which they are in violation of.
Consumer complaint received 2020-03-31
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)

On XX/XX/2020, I sent a letter certified to XXXX, XXXX, and Equifax disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. I clearly have a message on my credit report that states new accounts can not be opened without a phone call to me to verify that I submitted the application. It has been over 30 days and XXXX, XXXX, and Equifax have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.
Consumer complaint received 2019-09-24
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: Experian Information Solutions Inc. (AR)

My name is XXXX XXXX. In process of researching purchasing a home, I was made aware of a delinquency in my credit report.I spoke with my servicer XXXX regarding the delinquency. It was reported delinquent from XX/XX/2019 - XX/XX/2019. I spoke with servicer and requested the froebrance be processed to cover delinquency and update my report. I have seen no updates, and hope you can speak with them to assist in my credit update. 

Thank You