davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-11
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: Experian Information Solutions Inc. (VA)

I filed a complaint against XXXX Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. Experian and XXXX both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.
Consumer complaint received 2017-11-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2016 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 statement did not get to me.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

This is the several times I've complained about being a victim of identity theft. You must remove any account that 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2017-09-10
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. (NY)

As I am sure you are aware by now Equifax, a consumer credit reporting agency in the United States, allowed -- through total criminal negligence in violation of laws governing the handling of such data -- for the disclosure of the personal information of about 143 million people both in the United States and abroad. This information included dates of birth, social security numbers, names, drivers licenses, and in some cases credit card numbers. All information that can easily be used to steal and ruin someones identity. 

Through their complete incompetence, these data were made available to hackers through a web vulnerability. It 's unconscionable to me how a company who 's only responsibility is to manage this data for the purpose of generated credit reports were so reckless with where and how the stored the data that this was able to happen in the first place. 

They were also well aware of this months before they made this information public.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (NH)

During XXXX 2013, I went into XXXX XXXX XXXX ( Medical/Health Care ) with XXXX XXXX. During my stay, 2 separate doctors other than the treating physician stopped by to ask what brought me in. I asked both why they asked and each said they heard I was here and stopped by. Neither of these doctors did any treatments but both filed charges as consult visits. My insurance called foul on these charges. I had two insurances XXXX ( through my wife 's job ) and XXXX XXXX XXXX XXXX ( XXXX ). My insurance paid the bulk and XXXX picked up the remainder, I had already met my yearly limit so I had no additional copay. Neither insurance would pay for the bogus charges. After calling the hospital multiple times I was finally told the charges would be removed. I stopped receiving bills and all was well or so I thought. When I went to get my security clearance with the XXXX XXXX, the charges surfaced because instead of removing the charges, the hospital sold it to a debt buyer. I contacted the debt buyer First Financial Investment and they refuse to remove the derogatory information, because they brought the debt from XXXX XXXX XXXX  hospital. I have contacted First Financial Investment multiple times explained the account should never have been sent to collection. The Debt buyer First Financial Investment did not care. This is the only negative charge on my acct and it is jeopardizing my job with the military. I want XXXX XXXX XXXX ( Medical/Health Care ) to remove this derogatory mark from my credit report.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have removed this. 


Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNT : XXXX XXXX  XXXX
Consumer complaint received 2017-09-10
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. (TX)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-11-11
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. (TX)

XXXX XXXX, XXXX UPDATE : Attached is EQUIFAX involvement " in whole or in part '' with this matter in a letter sent from XXXX XXXX. to the consumer ( me ). EQUIFAX is being used a scapegoat/diversion/cover-up for the malicious activity that happened to me and for what is potentially happening to other unsuspecting citizens/civilians/consumer of XXXX XXXX. services. There is XXXX on my EQUIFAX consumer credit report to dispute ... This continues/appears to be a matter of collusion and suspicious/malicious intent on behalf of XXXX XXXX. What EQUIFAX information was used to reduce my credit line??? My EQUIFAX consumer credit score XXXX over XXXX ) during the time this incident happened is attached to this complaint. After paying down debt to reduce my debt to credit ratio, XXXX XXXX. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. Up to XXXX XXXX XXXX, my XXXX XXXX. line of credit for my XXXX XXXX credit card was {$4000.00}. On XXXX XXXX, XXXX, 4 days AFTER XXXX XXXX. received my {$2500.00} payment, XXXX XXXX. reduced my XXXX XXXX XXXX Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My XXXX XXXX XXXX consumer credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus since XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, at approximately XXXX CST, I was told by a XXXX XXXX XXXX Credit Card XXXX representative XXXX XXXXXXXXXXXX XXXX that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my Experian, TransUnion and Equifax XXXX XXXX XXXX scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED EQUIFAX CREDIT REPORT FROM XXXX XXXX. I received letters from XXXX XXXX. stating their decision was based on information from EQUIFAX ... In addition to consumer concerns with using EQUIFAX given what was transpiring with EQUIFAX during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of XXXX XXXX. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED EQUIFAX CREDIT REPORT FROM XXXX XXXX XXXX and there is NOTHING on my EQUIFAX credit report that substantiates the claim from XXXX XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2017-11-11
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: JPMORGAN CHASE & CO. (CO)

I continue to get calls and letters from XXXX XXXX XXXX XXXX about a debt that I am not sure if it is valid or not. I am not sure I ever had a Providian account but I do know I had a Washington Mutual that bought out Providian in XX/XX/XXXX which was then bought out, and I received a Chase card, XX/XX/XXXX. My Chase card has been closed for over seven years. They are trying to collect a debt from Providian ( which has n't been in business since XX/XX/XXXX way past the SOL of six years CRS. I have spoken on the phone with them numerous times ( They use spoofed phone numbers ) and repeatedly have asked them to validate the debt and provide date of last activity which they fail to do CRS 12-14-109. Validation of debts. This has been going on for six months. They call my business which I have repeatedly asked them not to. They call my home multiple times a day which forced me to send them a cease and desist letter, which surprisingly they have followed unless they are still using spoofed numbers and not leaving a voicemail. On the phone they tell me they are attorneys, CRS 12-14-107 False or misleading representations, and will take me to court and have used vulgar language when I ask them to prove the debt, CRS 12-14-106. Harassment or abuse. I have received a somewhat threatening  letter from them stating they have exhausted all voluntary methods of resolutions. I continue to tell them that if the debt is valid, which I am not sure it is, the SOL is six years in Colorado C.R.S. 13-80-103.5 ( 1 ) ( a ) and they are way outside of the SOL.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-11-11
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. (AK)

I filed a complaint about this already ; however, the information is on all XXXX credit reports. On XXXX XXXX, XXXX I looked at my credit report from XXXX XXXX it showed a payday loan from XXXX XXXX XXXX. 
I do not recall ever taking out a payday loan from them or the XXXX the alleged original creditor. 
I called all the numbers for XXXX XXXX XXXX found on the internet and provided on the credit report, none are good working numbers. 
I have never received a collection agency call or letter, a validation letter, a chain of title showing this collection agency owns this debt, nor a balance, it is fraudulent. 
On XXXX XXXX, XXXX I found that all XXXX major credit reports show this debt. 
XXXX violated the XXXX XXXX XXXX XXXX by reporting a debt without sending me notice and verifying that in fact it is mine and the balance is correct and the statute of limitations has not run. This collection agency is operating in the shadows and does not seem to really want to resolve debt nor operate within the law. The company should be fined and this debt taken off all credit reports immediately.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2017-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I filed a complaint about this already ; however, the information is on all XXXX credit reports. On XXXX XXXX, XXXX I looked at my credit report from XXXX XXXX it showed a payday loan from XXXX XXXX XXXX. 
I do not recall ever taking out a payday loan from them or the XXXX the alleged original creditor. 
I called all the numbers for XXXX XXXX XXXX found on the internet and provided on the credit report, none are good working numbers. 
I have never received a collection agency call or letter, a validation letter, a chain of title showing this collection agency owns this debt, nor a balance, it is fraudulent. 
On XXXX XXXX, XXXX I found that all XXXX major credit reports show this debt. 
XXXX violated the XXXX XXXX XXXX XXXX by reporting a debt without sending me notice and verifying that in fact it is mine and the balance is correct and the statute of limitations has not run. This collection agency is operating in the shadows and does not seem to really want to resolve debt nor operate within the law. The company should be fined and this debt taken off all credit reports immediately.
Consumer complaint received 2017-09-10
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. (GA)

It was recently revealed that on XXXX XXXX 2017, Equifax 's database containing the personally identifiable data of ~149 million people was breached by an unauthorized actor. As a result, of this my personal credit information ( including SSN, name, address, credit cards, phone numbers ) have been potentially exposed to the public which has put me at immediate risk of identity fraud by those that possess that info.
This information has been confirmed to have been compromised via the website set up by Equifax - https : //www.equifaxsecurity2017.com/
Consumer complaint received 2017-11-11
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. (GA)

I 'm writing this grievance in regards to XXXX XXXX  XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and XXXX through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. XXXX has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you
Consumer complaint received 2017-11-11
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 — Investigation took more than 30 days
Company: Real Time Group, Inc. (TX)

I did a medication back in XXXX on a house that was over financed. I received the new servicing provider on the loan and that loan is current. I pulled my credit report in XXXX and XXXX XXXX is reporting since XXXX that my loan has never received a payment. I have contacted by phone, email and wrote this company multiple times. I never get a response from them or any answers as to where they have been since XXXX. 

My credit report shows them as a HELOC, reporting late since XXXX XXXX XXXX XXXX. Account reports CLOSED as of XXXX XXXX and they continue to increase the balance monthly. The only credit report that shows them is XXXX. 

Please try and get me any answers or resolved issues. I have perfect credit and this is causing me not to be able to obtain any mortgages.
Consumer complaint received 2017-11-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

I borrowed {$800.00} from Big Picture Loans. Effective loan date XXXX/XXXX/XXXX. I had financial hardship and could not make the biweekly payments. I contacted the company XXXX/XXXX/XXXX to attempt to arrange a reasonable payment plan for the amount I borrowed, but now the loan amount has more than doubled due to interest and fees totaling an additional {$820.00} bringing the loan to an exorbitant amount of {$1600.00}. After reading several complaints on your website, XXXX XXXX XXXX and ripoff report about Big Picture Loans not closing out loans paid and continuing to withdraw funds when loans have met payment obligations, and will not send a payment plan letter or a letter of satisfaction stating the loan paid in full. I am very concerned and reluctant to make any payments on this loan until the issue of the interest and fees can be resolved and obtain the appropriate documentation from this company.
Consumer complaint received 2017-09-10
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. (FL)

My information was part of the Equifax hack, and I am livid. I hope I receive some sort of monetary compensation for the risk this awful company so carelessly put me in.
Consumer complaint received 2017-09-10
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. (OR)

Equifax has mishandled my information, did n't notify me XXXX I found out via social media and had to go to their poorly made response site to check for myself XXXX, and now has cost me several hours and will continue soaking my time and money to deal with paying for and monitoring reports against fraud as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.