davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

Ok so I am a victim of identity theft and I had went online numerous times tonight to try to access my free credit report but every time I put in my email and username it would display a error message stating they did not have anyone by that username and or email address and I tried resetting my email password that failed as well. So I called equifax ( or  so I thought I was speaking to a customer service representative at equifax but she kept telling me my information was not matching up and she kept asking me the same question about student loan balance well a red flag went off right there ; ok so she had told me to write a cover letter and explain that I am sending in all of this information just to confirm my identity. She gave me the phone numbers to XXXX & XXXX. I called XXXX and was being harassed about giving him my credit card information and paying a $ XXXX/a month fee for a $ XXXX/ gift card. Well he abruptly hung up on me and gave me XXXX before he hung up. I called XXXX to reach XXXX they both have my social security number ok and I am already a victim of identity theft. My ssi number is XXXX my dob is XX/XX/XXXX. My cell # is XXXX. I am requesting credit reports from all 3 of the credit bureaus because I am a. I tin of identity theft due to XXXX XXXX and my own family members have been committing cyber crimes by allowing hundreds of people have access to my camera my text messages. I have been XXXX XXXX. I have been XXXX XXXX and so much more
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Ad Astra Recovery Services Inc (TX)

This company continues to report information to the credit bureaus that is not mine. The information on the reports belongs to a person named XXXX XXXX XXXX, and I am XXXX XXXX. This is not my account. I have written to this company and called as well. I have not received any correspondence to validate/verify this debt is mine. I feel this is my last step.
Consumer complaint received 2018-11-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (UT)

I submitted my basic information on XXXX XXXX, and someone claiming to be XXXX XXXX with Cardinal Financial called as a response to the XXXX XXXX   inquiry. I supplied her with the information ( XX/XX/XXXX ) she needed to get the appropriate rate quotes on HELOC and fixed rate second mortgage options, but Ive received nothing in return. Im concerned this might be identity theft.
Consumer complaint received 2018-12-12
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. (FL)

THIS IS NOT A DUPLICATE! Complaint # XXXX ( typed this way for security purposes ) was just closed by Experian, claiming that it was a duplicate when IT WAS NOT. WHAT AM I SUPPOSED TO DO WHEN EXPERIAN CONTINUES TO IGNORE MY DISPUTES???!!! They have deliberately waited well over a week to respond and they respond with this GARBAGE. You will NOT intimidate me from moving forward with getting accounts deleted that CONTAIN VIOLATIONS AND INCORRECT INFO. Ignoring disputes is a violation of consumer law! I already know that they don't even do their own investigations ANYWAY -- which is ILLEGAL -- but now they're ignoring my disputes altogether, and this is not right or fair! I am being denied my due diligence in getting accounts deleted that have INCORRECT INFO AND VIOLATIONS! I am EXTREMELY upset at this and DEMAND that you have these incorrect accounts and accounts with violations DELETED IMMEDIATELY!
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Looking over a credit report from XXXX, I saw that there was an address included that was incorrect. I believe I reported that to XXXX, but when I recently received a credit report from Transunion, it had the same address included as a past address. 

Both of the companies had also included a previous address that WAS correct, so I think one address was simply entered in error at some point. I just want that address deleted from all credit reports. 

The address that is incorrect is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX The correct address that both of them already include is : XXXX XXXX XXXX XXXX. 

So just remove the one starting with XXXX. 

THANKS! 
XXXX
Consumer complaint received 2018-11-23
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. (PA)

XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( XXXX XXXX ) no contract existdebt can not be collected twice ; this against the law.

... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-11-23
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: Receivables Performance Management, LLC (PA)

RECEIVABLES PERFORMANCE {$1000.00} I challenge the accuracy, compliance and reportability of this listing by RECEIVABLES PERFORMANCE, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( XXXX XXXX  ) no contract existdebt can not be collected twice ; this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow.

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2024-11-22
Product: Credit 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: CITIBANK, N.A. (CA)

I made a purchase through XXXX on XXXX using the Wayfair Citi Bank credit card. I never received the service I paid for so I contacted them and filed a dispute for XXXX also had filed disputes for the same purchase with XXXX XXXX XXXXXXXX XXXX XXXX and XXXX. Since then they returned my money but not Wayfair Citi Bank. Wayfair sent me a letter stating the dispute was denied because the merchant from XXXX stated I was friends with the people which was not true. I also filed a police report and they told me the people on XXXX collecting the money were probably involved in a scam and I also reported it to XXXX which they said they were investigating. I had to file another dispute with Wayfair.
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ordered a credit score from Trans Union on XX/XX/18, there is a button on the website home page that says Get Your Credit Score, after clicking and going through the process to purchase my credit score, there are no final order detail page. I learned after the purchase, Trans Union charged me XXXX for a subscription service which I did not order knowingly. I was unable to resolve the issue contacting the customer support. This is compete deception and consumer fraud through misleading website order process.

The Trans union website says : The price for a TransUnion XXXX   online is {$9.00}, or {$9.00} for a hard copy for all states plus the applicable cost of the TransUnion Credit Report. The cost of a TransUnion Credit Report varies based on where you live.
Consumer complaint received 2018-11-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation (IL)

XX/XX/ I applied for a loan with Avant ( also earlier in the year ) and they continue denying my loans stating they can not verify my identity. I am XXXX years old and have had credit forever. I have talked to vast employees, managers and emailed their fraud department with no resolution. They continuously give me the exact same reason, unable to verify identity and refuse to work with me to resolve. This is not a fair practice as I work in the industry of credit at a mortgage company and have for years. We contact borrowers to provide documentation in this case. Not just deny the loan for a bogus reason. I want help in stopping this practice with them.
Consumer complaint received 2018-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Acceptance Rentals, Inc. (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HOVG, LLC (GA)

My credit monitoring company advised me that this company submitted a collection to my credit file. I have never done business with them and have received no communication from them. I called them and they told me the debt was from a past medical visit but I have no written paperwork to confirm this and they have already negatively impacted my credit report. I would like this collection removed from my credit report immediately. I never did business with this company.
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am in the process of buying a new home. I just pulled my credit report and discovered that someone has been using my name and personal information to open up accounts and do do business in my name. The following addresses are not mine below I need them deleted immediately! 
XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX - XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am in the process of filing a full FTC ID theft report as soon as I get the rest of my reports. My name is XXXX XXXX XXXX, please remove any other variations of my name. My current employer is XXXX please remove any other employer. 
My Current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have already attached the proper documentation for proof of my ID and address.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

I called Discover because i was previously on a payment plan and i was told once it ended i would have use of my card but learned today that the account would be reviewed monthly to see if i qualified for use of my card so i told the rep i would like to cancel my account but i have questions b4 completing the cancelation. While asking my questions, the call dropped and she canceled my account without calling my back to confirm if it was ok to go forward with the cancelation. I called them back the same day and they're telling me the account can not be reinstated although i never finally agreed to the cancelation.
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. Need bankruptcy. XXXX XXXX, XXXX XXXX, XXXX   XXXX and XXXX XXXX XXXX to be removed there is no contract on these accounts, they are unverified and not mine or invalidly reporting.
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. Need bankruptcy. XXXX XXXX, XXXX XXXX, XXXX   XXXX and XXXX XXXX XXXX to be removed there is no contract on these accounts, they are unverified and not mine or invalidly reporting.
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. Need bankruptcy. XXXX XXXX, XXXX XXXX, XXXX   XXXX  and XXXX XXXX XXXX to be removed there is no contract on these accounts, they are unverified and not mine or invalidly reporting.
Consumer complaint received 2018-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

XXXX  XXXX XXXX ( ( Account # XXXX ) sold by mortgage to Carrington Mortgage Services (  Account # XXXX ) with a transfer date of XX/XX/2018. Since my payment was due on XX/XX/XXXX, and XXXX  XXXX XXXX sent me my bill for my XXXX mortgage payment, I paid XXXX XXXX XXXX. I then set up online banking to pay Carrington Mortgage for XX/XX/XXXX. I was notified by Carrington that they had received my mortgage payment for XXXX and it was past due. I told them I paid XXXX XXXX XXXX since they sent me a bill for XXXX and that the transfer date was later than my payment due date. They said that XXXX  XXXX XXXX would transfer the money to them. Since XXXX, Carrington Mortgage has threaten to report my late payment to credit reporting agencies and they have sent letters attempting to collect my missing payment. I have spoke with Carrington no less than seven times, sent them my XXXX XXXX bank  statements showing where XXXX  XXXX XXXX was paid on XX/XX/XXXX as instructed. I called XXXX XXXX XXXX and got the transaction ID # XXXX for the transfer of monies to Carrington Mortage which included my mortgage payment of XXXX dollars. They still deny receiving of finding my XXXX payment and have thier collection department now calling me.