davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to dispute fraudulent information on my credit report TO EQUIFAX pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2020-05-18
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. (NC)

On XX/XX/2020, I submitted a complaint against the credit bureaus for allowing XXXX XXXX to report a trade line on my credit reports without providing full validation. The results of the dispute came back as 'verified and accurate '. Thus, I called XXXX and asked them to provide me the documents used to validate this debt. I was told that my records didn't exist and that the account has been placed with XXXX XXXX XXXX XXXX XXXX for collection. Thus, on XX/XX/2020, I submitted a CFPB complaint against XXXX XXXX XXXX XXXX XXXX ( Company 's response attached. ) Furthermore, another company, XXXX, XXXX, has also contacted me about collection of this debt. In sum, XXXX is using it's in house collection company, XXXX XXXX XXXX, to report the debt on my credit reports, however, they are using several other companies to collect the debt. Neither of the companies have been able to provide me with full accounting and proof of contract.
Consumer complaint received 2019-06-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

on several occasions. 
I have told people from this company to stop calling. 
I requested that it was my right according to the FDCPA. 
On XX/XX/2019 I told one credit collectors named XXXX XXXX. to stop calling. 
He told me that my word was good only for 10 days and that I should put in writing. 
My last conversation with XXXX XXXX was recorded and he was also notified of those actions. Even though he was polite but he keep insisting of why I was not going to pay this bill. I notified him of my action to come soon. He just ignore me and continue with his attempt to collect the debt. This was The last straw. I tried to put an end to this in a civilize way. I will proceed with legal actions against Mr. XXXX XXXX and his company XXXX XXXX located in XXXX Va. Any other information obtain on this case will be used against them. 
Thank you Mr. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-06
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )
Consumer complaint received 2024-10-09
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2019-06-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Commonwealth Financial Systems, Inc. (TX)

On XX/XX/2019, I received a voicemail. It said, " There is currently a court order being filed to suspend all activity with your social security number. To review all immediate rights and details, contact Commonwealth at immediately today at XXXX, once again XXXX. '' The voicemail then continued in XXXX. I think this voicemail is threatening something outrageous and unenforceable in order to get me to pay them money. I have complained to the credit reporting bureaus to have Commonwealth removed from my credit reports, but they have not done so yet.
Consumer complaint received 2019-06-06
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: Experian Information Solutions Inc. (TX)

XXXX, I am Glad, to further bolster my argument that I am right and Experian is a scrap heap of excrement, the CFPB, SAVES AND HAS SAVED OVER 5 OF MY ACCOUNTS AND 22 EXPERIAN RELATED DISPUTES WITH HUNDREDS OF PDF DOCUMENTS THAT ARE UNDENIABLE THAT MY STATEMENT IS NOT A LIE AND DISABUSE EXPERIAN NOTION THAT ITS BEEN VERIFIED, the fraudulent account From XXXX XXXX XXXX. I have subsequently spent hours downloading all of it. The ball is certainly in their court and I ask the CFPB, even with XXXX Pro Business Trumpist, to investigate this malfeasance with respect to The XXXX  XXXX XXXX account and further to the positive accounts they unfairly and illegally punished me for by deleting them. Then forward the illegality for prosecution to the United States Department of Justice Office of Consumer Protection!
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In the years of 2015 all my students loans was placed on a forbearance program. XXXX is reporting it was not. On my credit and the attached documents XXXX continue to report that I was 90 days late on XX/XX/2015 but made a payment on XX/XX/2015. How can you be 90 one month but not late or make a payment the month before. This is clearly a violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-08-25
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. (DE)

XX/XX/XXXX I received an alert from XXXX XXXX about an inquiry from XXXX XXXX XXXX in my Equifax credit report. I had not requested services from them as I work for their biggest competitor & receive all needed services from my employer. I contacted both Equifax & XXXX XXXX XXXX about the matter as I did not request services. I was unsuccessful in getting Equifax however XXXX XXXX XXXX did investigate the matter found it fraudulent, gave me a reference number to account for the fraudulent inquiry ( found that my name & SS # had been used by a possible former family member without authorization or knowledge ) and submitted written documentation to the affect. I then requested for the information to be removed from Equifax both as an online dispute on XX/XX/XXXX & XX/XX/XXXX as well as a phone call on XX/XX/XXXX to which Equifax refused to remove the inquiry despite XXXX XXXX XXXX sending written statements to the fraud. 

I have tried several times to send information to Equifax to be given the same generic response that is not applicable to my case. XXXX has researched & determined the inquiry as fraudulent but Equifax refuses to remove.
Consumer complaint received 2019-06-05
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. (GA)

I have disputed this item with Experian for probably over a YEAR now and I have disputed it almost every other month. I just can't understand why someone doesn't actually read these disputes and tries to fix the problem. Rather than doing what needs to be done they simply look back at an old dispute and update my record from there. Problem is they are " UpDating '' it with wrong information which has caused me to NOT be able to obtain insurance thru XXXX XXXX and to pay higher rates with my current carrier as well as be denied credit with several different lenders/credit companies. 

XXXX XXXX XXXX..This account had a " Last Payment Date of XX/XX/2014, the account was closed and Written Off in XX/XX/2014 ... No further action was taken.. 
I cleared up this account with the collection agency who agreed to completely remove all their information. 
EXPERIAN is/has been showing me with RECENT NEGATIVE PAYMENT ACTIVITY and ARE CURRENTLY showing my Credit Report with 1 Recent Missed Payment in the past 60 days. HOW can I have a RECENT MISSED PAYMENT in the LAST 60 days when I have not been late on ANY accounts within the past 5 years +- ... Attached are copies of my report showing the information. The INCORRECT information. 

When I call Experian I get told either Dont worry, it falls off in 7 years or We will dispute this for you. They simply cant understand what I am reporting. Once I finish typing this report I plan on send copies to the CEO Experian XXXX XXXX. Being CEO Im sure at lease HE can read ...
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before. XXXX XXXX XXXX XXXX, TX XXXX. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.
Consumer complaint received 2021-06-02
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. (FL)

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. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2020-05-26
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Tuesday, XX/XX/2020 Equifax XXXX XXXX XXXX XXXX, GA XXXX Attention : Complaint Department On XX/XX/2020, I sent a letter to your agency disputing certain things on my credit report. On XX/XX/2020, I received an email that my dispute could be viewed online. By law, your agency was past the 45-day mark of responding to my dispute letters. The first issue that I have is, I never provided my email address to your agency in my dispute letter. How did you retrieve my email address? I created an account to view the information and was having difficulties pulling the report. I contacted your customer service department on XX/XX/2020, in regard to gaining access to view the results of the credit dispute. At that time on XX/XX/2020 at XXXX XXXX, I requested that my dispute results be sent via mail within 7-10 business days. As of XX/XX/2020, I have failed to receive those results. On XX/XX/2020 at XXXX XXXX, I received another email stating that I should be able to gain access to www.myequifax.com. On XX/XX/2020 at XXXX XXXX, on XX/XX/2020 at XXXX XXXX, on XX/XX/2020 at XXXX XXXX, and XX/XX/2020 at XXXX XXXX, I sent screenshots to customer.care@equifax.com to show that I am still not able to access the dispute
Consumer complaint received 2019-06-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (DE)

I chose to switch lenders due to the mortgage broker attempting to lock me into a mortgage with an inflated rate at the last minute. The mortgage broker was working with Plaza Home Mortgage so I reached out to them for instructions on how to begin the process of transferring the appraisal that I paid for to my new lender. 

I sent an e-mail on XX/XX/19 with a list of items that the new lender needed for the appraisal transfer. After a week, I reached out for a status and was told that it was still being processed and that there was no time frame for when I could expect the documents. The first time I called about this, I was told this would be processed in 24-48 hours. 

The items requested were the appraisal, xml, ssr and invoice. While I'm not clear on what an ssr or xml, I assume that they're items that can be electronically transferred like the other two.
Consumer complaint received 2019-06-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BOGMAN, INC (MD)

I am the executor of XXXX XXXX XXXX estate, who died on XX/XX/XXXX. I inherited his two mortgage loans. The first loan dated XX/XX/XXXX, loan was with Bogman XXXX in the amount of {$18000.00} with payment begin date of XX/XX/XXXX, with 240 months with an end date of XX/XX/XXXX, account # XXXX according to the Deed of Trust Note/Promissory Note. Bogman never request these payments to stop after the loan had expired on XX/XX/XXXX. I have never missed a payment with Bogman However, my father was on a fixed income and well pass age XXXX when these loans were taken out. I contacted Bogman XXXX XXXX when my father passed away it had only been two years and nine months Bogman in this contract. Bogman stated that this loan is considered default by death. Bogman could not explain the terminology. Do this mean we give loans to elderly people and once they died the mortgage company takes over the property after death. Bogman never request me to refinance the original mortgage. 

Once XXXX took over this loan # XXXX, I start having major problems. This loan was transfer to XXXX in XX/XX/XXXX. First, they claimed I did not have mortgage insurance. I sent them proof of insurance. Next claim they did not receive the information. They tried to increase the mortgage payment based on no insurance. They claimed I did not send the mortgage payments until I had to send the payment by certified mail. I still received harassing phone from different departments for other reason the payment amounts are not correct holding the payments in Escrow not posting causing late fees. Once XXXX discovered the loan contract they start send threaten letters of foreclosure on the property without explaining details the for the lump sum payment. XXXX is trying to force me to refinance monies on an expired contract. Indicating I need to pay {$15000.00} but still accepting the monthly payment in the process. I do not have {$15.00}, XXXX. If this mortgage company is requesting this money show why and where the error was made or existing loan contract. Provide some type of proof of the loan contract. I requested a copy of the loan contract from XXXX and they refused to send the contract instead sent the payment history for the period they serviced this loan. I recently received a letter from XXXX XXXX   with a returned check for XX/XX/XXXX from the Loss Mitigation office to contact their office. I called and the only explanation was given to me on XX/XX/XXXX maybe some payments was missed prior to you taken over the payments which is not true. I am still paying this mortgage as of now Both of these mortgage companies had every opportunity to review this loan every year for assessment of escrow for property insurance and county taxes and apply increase to short falls. If the principle mortgage was not satisfied based on the duration of the mortgage contracts. The loan move to numerous hands before being approved. This loan contract should have been verified by the loan processor and underwriting department before being assigned off.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX and XXXX XXXX, the manager and staff of the Chase branch were so arrogant and unreasonable that they even threatened me I opened a checking account at the Chase branch on XXXX XXXX and XXXX XXXX. The reason was that a friend went to me to borrow a sum of money, because there was no cash to repay the epidemic, and then he said that he would pay me back by writing a check because I dont know how to read it. So the check was deposited into my account. After depositing, my account had a problem, so I contacted customer service, and the customer service asked me to go to the branch to deal with it. I went to this Chase branch and they told me that I needed to write me a check. The person from came in to prove it, and said that there were only 10 days, but they closed my account the next day, and then I found the person who issued me the check and went in to verify it, but the branch said it was a fake check, probably by customer service To put it bluntly, the one who wrote the check ran out and didnt know why. After a few minutes, he rushed in and XXXX XXXX XXXX. When something happened, the branch staff, the manager and the security guard did nothing, and then was pulled by a passerby. I was able to get out of my breath when I drove the person who was holding my neck. Then I called the police. The police went to the branch and asked the manager to call for monitoring. The manager refused to provide monitoring police on the grounds that the branch had no monitoring. Then I was taken in by an ambulance. In the hospital, the person who defrauded me was caught. He also admitted that my account was closed due to the fraud. Later, I called the customer service and told the customer service that I went to the branch to open another account for me, but I went to XXXXXXXX XXXX. XXXX, XXXX XXXX, ny.XXXX, this branch dealt with my account problem, they refused to provide help and refused to call customer service for me, because the branch staff had to call them to reopen the account for me, and they refused to provide help, They already knew that my account was fraudulent on the day of the incident, and the customer service told me clearly on the phone that I can go to the branch to reopen the account, but I can not open the account online, and I still opened the account at the branch. Then I consulted with the manager, and the manager let me go out without looking at it, and told me that he would not help me reopen the account. I did nothing wrong. I was a victim, but I was treated like this. I felt very sad. Even feel scared, I have been in XXXX, NY, a branch of XXXX XXXX and XXXX XXXX 4 times, and I have not been able to get help. The manager even threatened me to call the police and arrest me. I feel very helpless, so I want to ask you to help me deal with my account problems and their XXXX behavior. They can treat me like this and treat others like this. Is it true that Chase Bank does not have a lot of money in their bank? Good service and good treatment.
Consumer complaint received 2019-06-06
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC (GA)

I just found out a Company by the name of ERC charged my credit card {$320.00} on XX/XX/19. On XX/XX/19 was the first time I was informed of this charge. I never heard of this company nor have I given out my credit card number to anyone from this company. I could not get any of the company 's representative to tell me what I was charged for, nor would they tell me how the they got my credit card information. This is a fraudulent action by this company. I am not alone with this complaint from ERC ( Enhanced Recovery Company , LLC ) There are numerous complaints filed on Yelp by other consumers. I did call my credit card company and disputed the charge. Some time ago, I recall getting missed calls messages telling me I was going to Jail and the Federal government was in the process of having me put in jail. I am federal worker, I am still employed as a federal employee and as of XX/XX/19 I remain not incarcerated. It just seem suspicious that My credit card was hacked and this company was able to file for funds from my credit card.