davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-10-06
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: Experian Information Solutions Inc. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NE)

I was alerted that I had an account in collections as via a credit monitoring app in XXXX of XXXX. I then reached out the collections agency to find additional information on this debt. ( IC Systems was the agency ). The Debt was owned by XXXX for internet services dating back to XXXX of XXXX. I reached out to ask for verification of the debt XX/XX/XXXX. I was told by the XXXX rep that I would receive a bill via email. 2 weeks later I called again because no bill was received and the rep stated that the bill was too old to be emailed but could be mailed physically. I requested that and waited another 2-3 weeks, still no bill. I  called again early XXXX and was told that the bill was too old to have a statement sent. I then asked that a request be put in to remove the equipment charge because I turned the modem in when I cancelled service. At this time the rep also told me that the reason I never received a final bill is because the final bill was mailed to my address that I moved from. So now I have no proof that the bill is valid and I am also having to put in a request to have an equipment charge removed. I call XXXX back on XX/XX/XXXX and they tell me that the case was closed for the equipment and that the charge for equipment would be removed and reported to the collections agency. I called the collection agency a week later to see if this had taken place and it hadn't. I waited and called again on XX/XX/XXXX and was told ( on a recorded line ) via the collection agency that if I paid the service charges of {$100.00} that the debt would be reported as paid that weekend and that they would hold the equipment charge on their end waiting for verification from XXXX. The rep stated my balance would show as XXXX. This was a lie. Between that date and today ( XX/XX/XXXX ) I have spoken with XXXX  and IC systems at least 4 times each asking why they are not communicating back and forth to clear this from my credit. I wasnt even provided valid proof of the debt but still paid the balance. XXXX  says I owe nothing but IC systems says I still owe {$78.00} for equipment. It has been 60+ days and the agency ( IC Systems ) can not seem to update their system even though the debt is now paid in full. They continue to report the {$78.00} balance to the credit bureaus
Consumer complaint received 2024-12-01
Product: Credit card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL (MD)

I'm a international traveler who open checking accounts numbers globally locations international Around XXXX  calendar year I establish my credit score. I open department store credit cards account. 
The database computer record, department store credit cards account numbers throughout the united states. 
XXXX. State of Illinois, XXXX, a. XXXX. 
XXXX. State of Texas, b. XXXX. 
XXXX. State of Maryland XXXX XXXX. 
XXXX. State of Maryland d. XXXX. 
Finally. I want to request department store credit cred, disclosure statement, credit reports.
Consumer complaint received 2022-07-22
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-10-11
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. (SC)

This agency XXXX XXXX has been inaccurately reporting different balances to the credit bureaus as well as reporting themselves as an XXXX XXXXXXXX. This misleading information is showing I owe way more than what was agreed on the account. THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.

all three bureau have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2020-10-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  Ca XXXX Loan no : XXXX PHH Mortgage Services have affected my credit report by reporting recent mortgage lates for XXXX and XXXX and now XXXX! This has caused significant damages for us to refinance our home and lower our payments and have the mortgage insurance removed.. We open escrow to refinance at a 2.875 % and an appraisal report has been paid however in order to close we need to receive a letter from PHH stating we were not late.

Our current loan officer has emailed them 4 times trying to  resolve this matter and also sent all necessary proof of cancelled checks all from XXXX thru XX/XX/2020 of mortgage payments. ALL paid on time. 

Please help us resolve this matter - we urgently need this done! 

We have attempted to resolve this issue 4 times without any success! Customer service keeps given the round around and impossible getting to a resolution. My husband and I are on our XXXX 's were this has cause us so much unnecessary tension and stress!
Consumer complaint received 2022-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TN)

The Money Source mistakenly was sending the insurance payment on my property to and for the wrong property address. When we realized this, they tried to make e responsible for the error. I insisted that it was their fault becsuse my insurance was impounded. They refused to listen to me. I reported the issue to CFPB in XXXX ant XX/XX/2022. When CFPB contacted them, they recounted their position and decided to take care of the problem that they caused. Now CFPB has closed the file. This rogue company resurrected the issue of XXXX XXXX again. 

This is an issue they had resolved when CFPB contacted them. My insurance was impounded since I purchased this loan, how can I have a lapse in insurance? 

I am asking CFPB to investigate this claim with the last claim on XXXX XXXX XXXX brought to your attention in XXXX XXXX and see how XXXX is attempting to resurrect this case.
Consumer complaint received 2020-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I LOOKED ON MY CREDIT REPORT AND SAW A XXXX   BILL FOR {$1100.00} THIS IS NOT MY BILL. I WANT THIS BILL REMOVED FROM MY CREDIT. UNDER LAW THE CREDIT AGENCIES MUST SHOW PROOF THAT THIS IS MY ACCOUNT.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NY)

I applied for a Re-fi with LoanDepot.Com, LLC. The loan number is XXXX. I was told by the loan officer XXXX XXXX XXXX, that based on my credit score of XXXX and my income, I could only apply for {$160000.00}. I have a {$65000.00} equity loan with XXXX, payoff my credit card and closing cost leaving me with only {$84000.00}. My credit report shows no late payments from any reporting agency including XXXX XXXX. Besides, with XXXX I'm only a co-signer, therefore, when loandepot requested to payoff the lease on the vehicle, my son provided documents from XXXXXXXX XXXX that he makes those payment and that the XXXX wasn't registered or paid but I. Everything checked out after reviewing my credit and income. Mr. XXXX asked me to pay a fee of {$800.00} for the appraisal. I specifically told him, that my house will appraise for at least {$800000.00}, to tell me if there are any other issues since the loan it's only 20 % of the appraised value. He stated that once the appraisal comes in we can start closing, in fact, I was even provided with a closing statement. 
He sends the file to the underwriter and after a few weeks pass, he ask me to provide payments to XXXX XXXX. As I mentioned, the XXXX belongs to my son. He did provide all payments but since my son was out of work, XXXX waved 2 months due to the pandemic. These non-payments does not reflect on my credit but now they stating that since there are missing payments I will not be able to acquire the Re-fi I was supposedly guarantee.
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I am an American citizen but spend a lot of time in XXXX. For the past dozen years, I have been regularly transferring monies from my Bank of America account to an account I have at XXXX XXXX in the XXXX to pay for expenses while in XXXX. This process originally involved talking to a person at B of A, and in the past two years it has switched to an online process. In XX/XX/2020 I successfully did a transfer, but in late XXXX when I attempted a transfer it was blocked by B of A with the message something like " we need to disclose fees at the receiving bank and don't have that information so we can not do the transfer. '' I called B of A and they said they have recently made this change required by Dodd-Frank ( the disclosure used to be " you may also be charged fees by the receiving bank '' which was fine with me ). The B of A person said there was some kind of international data base with such fee information and I should call XXXX XXXX to have them put their information on the data base. I called XXXX XXXX and they said they have never heard of such a data base. So I am in XXXX with no way to continue to transfer funds as I had been doing for the past dozen years. My complaint may be as much about the regulation as about B of A. This may be a case where a regulation has made things worse for consumers -- it was enough to say " there may be fees at the receiving bank and leave it at that. '' Thanks for your attention.
Consumer complaint received 2022-07-18
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. (GA)

Equifax is purposely not updating my XXXX XXXX account which is keeping my credit score extremely low. The last update was XX/XX/22 and they are stating on their website my credit score will not update again until XX/XX/22. This inaccurate information is causing me financial harm.
Consumer complaint received 2020-10-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc. (CA)

On XX/XX/2020 XXXX smile dental group send me the final bill for {$420.00}. I did dispute but they send me to the collection agency ( Amer ASSIST Solution Inc ) XXXX XXXX and they send me the bill for {$380.00}. I tried to log in to make a payment online but no luck. Therefore I called them to make a payment via a credit card they said they don, t accept. It should be check and asked for my checking account information. I told her to charge for {$380.00}. But the next day I notice they used my account information on a false check with someone else name and were purchasing products in stores for {$300.00}. I did call them back and share the problem with them this time a manager and from Amer Assist answered and i paid {$380.00} but again I notice another transaction on my account for the amount of {$310.00}. I called my bank and told them the story, they did credit me for {$380.00} and XXXX but not the {$300.00}. I called the XXXX XXXX group and explained what happened to me and asked them to get my name out of this collection but she said she can not do anything. I feel I owe the collection agency or XXXX dental-only {$27.00} since I was already scammed for {$300.00}. I do not want the collection agency to send me bill since i am trying to solve this with the XXXX XXXX XXXX.
Consumer complaint received 2020-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CO)

On XX/XX/XXXX I entered into q contract with XXXX  to provide residential internet service. The contract included a 30 day trial period, cancel the service within 30 days of signing up and you dont pay anything. I called and canceled my service on XX/XX/XXXX. I talked to the representative and confirmed I was within the 30 day cancellation window. 

In XX/XX/XXXX I began receiving collections calls from a debt collector, Sequium Asset Solutions, collecting the XXXX debt they claimed I owed. I requested a verification letter, which I never received. I then called XXXX to inform them that they were collecting a debt I did not owe. The XXXX  representative confirmed I did not owe the debt and stated that it would be resolved. 

On XX/XX/XXXX I received another call from Sequium again collecting on the XXXX debt. I called XXXX again and was escalated to the department that handles collections, they assured me that this would be removed from collections and my credit report. I received a call several days later from another representative confirming that I did not owe the debt and that collections would cease and the negative report would be removed from my credit report. 

The collections is still showing on my credit report and this has been negatively affecting my credit for over 6 months.
Consumer complaint received 2022-09-21
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. (TX)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-07-27
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-06
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: Experian Information Solutions Inc. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (IL)

COMPLAINT ABOUT A FINANCIAL INSTITUTION/CREDIT CARD Issue was with the companys negligence and lack of cooperation with me resulted in failure to resolve issue with provider in XXXX. 

Providers delivery was inaccurate and unacceptable. It was an internet food order from XXXX XXXX  XXXX  Stores left outside in extreme heat without notice and no receipt. I didnt know who to contact as they said it was a third party, XXXX XXXX. 

Generally, when an issue is raised the institution will put the amount into dispute category until resolved. This was not done until XXXX. 

My experience with institutions has been that once they are billed, they have contact information. In fact, they provide telephone numbers and ask you to try to resolve. Not done. The usual process is efficient, meaning usually resolved within 30 days. Here it was 3 months after I said I would not pay. 

This was blatant neglect and passing charge on the me. It was a small amount, I could have paid it. In fact, I probably had more than that amount in points/ $ $ on their card that I left. They should not be allowed to steam roll anyone because some people would pay simply to keep it off their credit. My credit report for XXXX years never a late payment nor unpaid bill, until now XXXX {$56.00} ) amount owed. I am challenging this unfair treatment.