davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (FL)

When checking my credit report I noticed I had a collections debt that was not mine in the amount of {$1100.00}, the original creditor is XXXX XXXX XXXX  and the creditor that is reporting to collections is Sequim Asset Solutions.The account was opened XX/XX/XXXX XXXX XXXX which is puzzling because I had my credit frozen for almost a year as of today and XXXX XXXX  still approved someone with services in my name and information. I have reached out to XXXX XXXX  and they were no help so I went ahead and filed a dispute with all credit bureas. This debt is not mine along with the address that was linked to this debt. Please help and Thank you
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (IL)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2018-03-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank (GA)

I do not have a mortgage with XXXX XXXX XXXX XXXX of XXXX  Georgia ( merged with Synovus Bank ). I received a Notice of Lender-Placed Hazard Insurance Coverage informing me that a policy of hazard insurance was purchased on my behalf. It is to cover the property listed in the attached XX/XX/XXXX letter and Notice of Insurance.XX/XX/XXXX Lender letter is enclosed ; subject is about the transfer and servicing of that mortgage loan to XXXX XXXX XXXX. The letter states, This is a business transaction between Synovus Bank and XXXX XXXX XXXX and in no way reflects negatively upon your account. The transfer and servicing includes the hazard insurance policy. The transfer date and insurance payment date is XX/XX/XXXX. Placed several calls to both the Lenders and new mortgage service representatives,XX/XX/XXXX ( Lender only ) and XX/XX/XXXX, respectively, about this issue. I explained the debt had been paid off over four years ago. The Lenders representative said she would get back with me. I called her the next day and she wanted proof the debt was paid. The new servicing representative said to email him the document showing the debt was paid. Both were able to retrieve documents and transactions on the mortgage. As reiterated previously, I do not owed this debt. Who are the people involved? XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Synovus Bank XXXX, Georgia XXXX   Telephone : ( XXXX XXXX ) XXXX  Email : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Telephone : ( XXXX ) XXXX   ext. XXXX Email : XXXX Synovus Insurance Tracking Center XXXX XXXX XXXX XXXX GA XXXX Telephone : ( XXXX ) XXXX
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2016-03-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

i am a victim of ID THEFT and an account from XXXX appeared on my credit almost two years ago, however it was removed. 

my complaint is that almost two years later while i am in the process of purchasing a home, Portfolio Recovery Associates have placed the fraudulent entry on my credit. Not once was ever ever contacted by them by way of phone or mail.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity theft since XX/XX/XXXX. Checking account and saving account was not impacted by this. Individual took out personal loan and opened bank credit card in my name. I have been alerted of multiple inquiries that individual has attempted to take out additional loans in my name.

I've taken all necessary actions best to my knowledge to have this resolved. I reported identity theft though the 3 credit bureaus, IdentityTheft.gov, ssa.gov, and my local police station. I froze my credit with the 3 bureaus, closed my bank accounts and created new. 

Here are details of the accounts opened fraudulently : XX/XX/XXXX Account Balance {$9100.00} Account Number XXXX Address XXXX XXXX XXXX, XXXX XXXX OH, XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a fraud dispute on this account XX/XX/XXXX through XXXX. A dispute was filed through XXXX XXXX on XX/XX/XXXX. After investigation, XXXX concluded that I am not responsible for this dispute balance amount on XXXX XXXX. Complete and notified on XX/XX/XXXX. 


New Inquiry XX/XX/XXXX / New account XX/XX/XXXX Account Balance {$9600.00} Account number XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX Creditor Name XXXX XXXX XXXX XXXX  Industry Type Personal Loans Companies I filed a dispute through XXXX XXXX for this account XX/XX/XXXX with no update. I filed a second dispute through XXXX XXXX on XX/XX/XXXX that was submitted to TransUnion. on XX/XX/XXXX I received results that the dispute information was verified as accurate and Transunion did not change my information. This is the last and final dispute that has not been resolved. This account is significantly impacting my credit score negatively. 

I am XXXX XXXX XXXX and have never owned a credit card. The only loans I have are XXXX loans. I am recently XXXX and me and my husband are not able to purchase our first home because of this. In addition, I am unable to get my first credit card to improve my credit score since I do not qualify.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AR)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2018-11-28
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. (TN)

I have contacted Equifax on 4 different occasions dated : XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 to either receive no response or when they did respond they are not providing me with any proof from the original creditor ( XXXX XXXX XXXX ). Also on all 4 of these occasions Equifax has went well over 30 days to either respond with re-investigating in progress 45-50 days later or no response at all. I have also filed a Identity Theft report with The Federal Trade Commission that list XXXX XXXX XXXX.
Consumer complaint received 2023-07-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

This all happen in XX/XX/2023, I am have a bank of america credit card account and someone got my all personal info & i don't who & how it got leaked but then someone did a cash advance transaction of {$10000.00} from my bank of america to XXXX  XXXX, someone created XXXX  XXXX  account also fraudfully on my name and even my personal phone number was stolen and ported out all on same day. he used all my info like name address stolen phone number ssn, i did police complain and provided all documents and details to bank of america now everytime they say on fraud claim that it was your same personal information which was used like address etc so we can't refund the fraud amount {$10000.00} back. It is logical that if someone fraud stolen all my info from somewhere and fraud doing personal will use customers info only not his own identify to do fraud activities but now bank of america is not helpful at all. When bank of america need business then they will alway be behind customer to sell their product but now after customer is using their product and getting fraud issue then they not refund {$10000.00} money for which i got fraud. My Claim number : XXXX was this. 
At the time when i know some {$10000.00} cash advance i contacted bank of america XXXX right away when it was just in processing state [ if bank of america have any call records then it will be recorded as part of those customer care calls ] at that time person from fraud team said no need to worry let it complete we will take care of it and fix but afterwards now they are not at all refund money back. 
Even i reported to XXXX  XXXX  and XXXX  XXXX  says as i am not an owner of that bank account as i reported then fraud so bank of america is the only XXXX who need to resolve this as i am bank of america XXXX. Now i don't know where to go how get my {$10000.00} money back for which fraud has been happen with me on my bank of america credit card cash advance.
Consumer complaint received 2023-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (TX)

The company appears to have purchased fraudulent/ identity theft debt from Aargon Agency and is now representing it as occurring in XXXX of XXXX 

This has already been reported to the police and appears to have been resold rather than resolved by Aargon Agency.
Consumer complaint received 2023-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

RE : CARE ACT Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 My name is XXXX XXXX I am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACT was allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX ( XXXX LATE XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX XXXX LATE ) XXXX XXXX  XXXX XXXX LATE XXXX XX/XX/XXXX ) XXXX XXXX ( LATE XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ) XXXX XXXX XXXX  XXXX XXXX ( XXXX XX/XX/XXXX )
Consumer complaint received 2018-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (MO)

When I purchased my home I put 20 percent down but was still required to pay private mortgage insurance for 5 years. I was given an amortization schedule showing that the private mortgage insurance automaticly end after myXX/XX/XXXX payment. My mortgage was then sold to BB & T who is not following the schedule I was given at closing on the property. I have been in contact with BB & T and have been told by 3 different employees that i must continue paying thr private mortgage insurance XX/XX/XXXX. I believe thus is unfair and should not be charged extra on my mortgage for mortgage insurance starting XX/XX/XXXX..
Consumer complaint received 2018-03-30
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. (CA)

I have tried and tried to fix this problem. I cant afford to pay someone to fix this problem. I will try again to explain the problem. On my credit report there are 2 incorrect information and I would like to have them corrected. The first is the XXXX. It was paid in full. It states that it was sold to another company. That company is XXXX XXXX. I paid this account in full. I have sent copies to you before but it still has not been changed. The other account is with XXXX. This account was sold to XXXX XXXX XXXX. I paid them in full. It still states that it was not paid. In the collections part of my credit report it states that XXXX  was paid in full. Its a duplicate account. I have sent copies of the information to you before but it still hasnt been changed what do I have to do to fix this problem? Thank You.
Consumer complaint received 2018-03-30
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. (TN)

In XX/XX/2016 I used XXXX XXXX to refinance a house I owned. Through XXXX XXXX   process they ran my credit three times : 3x with XXXX/XXXX XXXX giving me three hard inquiries. They told me that was standard practice as they shopped my loan. This is wrong since I filled out one application. My credit score has dropped dramatically because of this.
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I noticed my chase sapphire preferred card was getting declined. My balance was {$0.00}, I had no idea what was going on. After, I called Chase to see what was happening. They said that my sapphire and freedom unlimited were being periodically eviewed. I had a credit limit of {$27000.00} on the freedom unlimited, where I had a {$7300.00} balance. I HAD A 0 % APR OFFER FOR 12 MONTHS. That is the only reason I had a balance. 

I called Chase again last night and they said they closed all 3 of my accounts. I had a regular freedom card as well. I pay that off monthly like the sapphire. 

Back in XX/XX/XXXX I had two {$500.00} freedoms which I maxed out and never paid. In XX/XX/XXXX, Chase approved me for {$1000.00} on my new freedom. I have had 0 issues since then. Fast forward to XX/XX/XXXX, I applied for a sapphire and a freedom unlimited. I was approved for a combined {$36000.00}. I have had AGAIN 0 ISSUES. I made some financial mistakes when I was XXXX. The CFPB didn't even exist then. Now, all of a sudden, Chase decides to close all of my cards? I have NEVER manufacture spent or churned cards for signup bonuses. This is beyond absurd. 

I have XXXX points on my sapphire card as well by the way.
Consumer complaint received 2023-07-09
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. OR DELETED 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case XX/XX/2023 i sent certified mail to all XXXX reporting agencys here are tracking numbers and USPS receipt attached XXXX XXXX XXXX
Consumer complaint received 2023-07-09
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. OR DELETED 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case XX/XX/2023 i sent certified mail to all XXXX reporting agencys here are tracking numbers and USPS receipt attached XXXX XXXX XXXX
Consumer complaint received 2023-07-09
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. (VA)

You have 7 days to correct my credit report or I will put a lien on your company with XXXX XXXX XXXX for {$350000.00} for each use of my copyrighted name./property since XXXX. I did not give you written permission to use my name or ANY derivatives of my name, it is Identity theft according to 15USC 6802. Also, late payments are Illegal 15USC16819 ( A ) ( 2 ) ( i ) ( Exclusions ). There should not be any collections on any of my Credit Reports EQUIFAX, XXXX or XXXX, XXXX XXXX, or Any and All Other Credit Reporting Agencies. ALL BILLS ARE PREPAID ACCORDING TO ( 31USC3123 ) All Collection Companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A Lien will be put on these Companies as well with XXXX XXXX XXXX All these Credit Reporting Agencies and Collection Agencies listed are to CEASE & DESIST remove any and All Balances SUBMITTED AND ALL DEROGATORY INFORMATION AND INCLUDING ALL INQUIRIES AND ALL OLD ADDRESSES/ALL PHONE NUMBERS IN THE NEXT 7 DAYS. ( PLEASE SEE THE COPYRIGHT ATTACHMENT ).
Consumer complaint received 2023-07-09
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. (IL)

I have spoken with XXXX, Equifax, XXXX, and XXXX countless times in an effort to have XXXX properly furnish my student loan accounts to the three major bureaus but have not had any success. XXXX continues to claim they reported my accounts to the three bureaus ( plus a fourth ) following the " transfer '' from XXXX XXXX, yet only XXXX is properly reporting my accounts. Equifax and XXXX both say they have not received anything from XXXX while XXXX supposedly reports on the last day of the month with the first reporting date of XX/XX/31. Now two cycles in, Equifax and XXXX still do not show my accounts. 

Per a XXXX supervisor, I provided screenshots of my credit report showing only a single XXXX XXXX  account and no XXXX accounts weeks ago and still have not received any type of correspondence from the credit reporting department as I was instructed I would. 

I am attempting to buy a house, and with my credit scores having tanked because of the incompetent handling of the XXXX XXXX to XXXX transfer, I need my XXXX student loans to be reported to the bureaus ASAP.
Consumer complaint received 2023-07-09
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: CBC Companies, Inc. (AL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1.XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.