davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681C ( a ) ( 5 ) states, '' Except as authorized under subsection ( b ), 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. '' This account has adverse items they are reporting again without my permission, which is against the law and harms me financially. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states, " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Remove all circled items on this account immediately.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've sent many disputes in regard to this account with XXXX XXXX, when I receive response they say the debt is verified and correct, Yet when i call by recorded phone they tell me the debt was passed over to XXXX XXXX XXXX XXXX. When speaking with XXXX XXXX they do verify where this account came from they only sent me a balance of {$500.00} and 3 statements which don't belong to me. At one point they removed the account and replaced it back in 30 days. Non these actions from transferring the debt or replacing it back in my credit report were sent me by mail or email to notify me which means they are illegally passing my personal information around which under 15 U.S. Code 1681e is a violation of my rights. I believe it could have placed on my credit because of my fathers death and we share the same first middle and last name. I have sent many certified mail letters to each company to remove this wrong information. Each time they update the info and report differently in each credit company from current balance open day and closing dates they all do not match and the account is not mine. 

XXXX XXXX ACCOUNT NUMBER XXXX REFERANCE NUMBER : XXXX please review the documents attached and you will see in the details that it doesn't report correct and they are refusing to properly verify the debt and will remove it.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The statement below was added to my credit report. I do not have a mortgage with them and they opened an account for a little over XXXX XXXX. I do not want to make contact with them incase they try to take more of my information. I believe they are using a scare tactic to make me think I have an account with them because they keep sending me physical mail and opened an account without my consent and that is fraud. 

Between XX/XX/XXXX and XX/XX/XXXX, your mortgage with XXXX XXXX XXXX was added to your report. This account was opened on XX/XX/XXXX. 

I reported it and tried to get it off my credit report. 

Between XX/XX/XXXX and XX/XX/XXXX, your mortgage account with XXXX XXXX XXXX was removed from your credit report. 

I am not sure if it has been fully removed and if they can still open accounts without my knowledge of it.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

Fraudulent charges were made on my XXXX  Barclays Mastercard to the amount of {$9300.00}. I promptly reported the charges, and the card company told me that the investigation would take 30 days before it would be removed from my credit report in a letter dated XX/XX/XXXX. This was mid XXXX. I made a police report XX/XX/XXXX with the XXXX, Maryland Police Department, because that was the town I last used the card. I reported the fraud to one of the credit  bureaus. They have only refunded {$700.00} of the over {$9000.00} of charges. They have not removed the charges from the card or marks from my credit report and have not contacted me or provided me with any supplemental information despite me contacting them.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I have requested that Equifax do an investigation with my inquiries, I even submitted an FTC report which only allowed me to add 5 accounts to the report. I have advised Equifax of this and they state they would put all inquires on file in dispute. I have not heard nothing back from Equifax and it has been over 30 days.

Additionally, they have removed some of the hard inquires, but left 11 on my credit report which are considered fraudulent inquires. No communication has been received from this credit bureau which violates the law.

Please have those inquires removed ASAP.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2020-09-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alpha Recovery Corp (TX)

I have been paying on a past due account ( XXXX XXXX ) to Alpha Recovery for over 1 yr already and every time they try to settle with me and I tell them I cant they get very  upset. The representative XXXX XXXX is very unprofessional and rude on the phone. She contacted me on XX/XX/2020 at XXXX XXXX  and wanted for me to settle my past due account and I told her I cant but that I can continue paying the {$75.00} I have been paying for over a year and she said no and started yelling at me. She said you owe {$1600.00} and I need you to send payment immediately to them. She did not let me speak, she just yelled over me and said that if I wasnt going to send the entire balance then she was going to call me every day and also threatened to call my job. I have been paying them monthly and I dont think its right for them to harass me.
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (IN)

We have had a mortgage with Suntrust Mortgage for over 10 years. They recently sold our loan to XXXX. We paid XXXX  in full so the home is now paid off. Suntrust Mortgage sent us a letter stating these changes would take effect on 11/30/2018. The payment was on an auto payment every two weeks for {$380.00}. Suntrust continued to deduct this amount 5 more times totaling {$1900.00}. They used a third party ( XXXX XXXX  ) to make these automatic deductions. I called the third party to request these payments to stop. They told me they could only refund me for the last withdrawal of {$380.00} in which they did but the amount refunded was {$380.00} not a big deal. But they also told me they couldn't refund me the other 4 withdrawals ( {$1500.00} ) made to my account because they were sent to Suntrust. I have begged and pleaded with Suntrust about this matter and I can't even get them to send me a statement. The third party ( XXXX XXXX ) told me to request a 3 month activity statement from Suntrust Mortgage but they will not do so. I am at a loss on how to get my money back.
Consumer complaint received 2020-09-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (OH)

I bought a XXXX XXXX XXXX XXXX in XXXX with 60 payments with final payment in XX/XX/XXXX. I have since paid off the motorcycle and trying to get US Bank to release with the OHIO BMV in XXXX, OHIO. I have called starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I get a Rep telling me that they sent a request of lean release of a tittle to their auditor dept. I have had 2 Reps promise that they would call me back, none have. I need to get a title of my motorcycle because I have lost it and when I went to the OHIO BMV they said the bank hasn't released it yet. This is bad business practice that I can not get someone to confirm that I paid the bank lean off back in XXXX
Consumer complaint received 2020-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (WA)

I have received multiple calls and texts from an XXXX, FL number XXXX that is associated with Synchrony bank. Calls on XX/XX/20 @ XXXX, XXXX, and XXXX. Calls on XX/XX/20 @ XXXX and XXXX. 
I have received texts from this text number, XXXX, on XX/XX/20 ( FreeMsg : Synchrony Bank. Attention Requested. This is to collect a debt info will be used for that purpose. mysynchrony.com or call XXXX. To opt out reply STOP ), XX/XX/20 ( FreeMsg : Synchrony Bank. Your CareCredit acct. is past due. Call XXXX or go to mysynchrony.com. This is to collect a debt info will be used for that purpose. To opt out reply STOP. ), and XX/XX/20 ( FreeMsg : Synchrony Bank. Payment reminder on your CareCredit acct. Call XXXX or go to mysynchrony.com. This is to collect a debt info will be used for that purpose. To opt out reply STOP. )
Consumer complaint received 2016-03-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

I have sent an inquiry to DiTech Financial LLC regarding a pending payment from escrow for hazard insurance. I am doing so because servicing was transferred from XXXX XXXX XXXX to DiTech effective XXXX XXXX, 2016, and I want to make sure that recent on-boarding will not impede timely payment. In the past, I have had problems with servicing transfers and timely escrow payments. Letter to DiTech is attached.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint was filed to request pursuant to FCRA subsection 605B ( 15 U.S.C subsection 1681c-2 ) that you the Experian credit reporting agency block information appearing on my consumer credit report which is a result of identity theft and or fraud within 4 business days of receiving this complaint. This fraud, inaccurate, and false information consist of, XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) opened XXXX XXXX acct # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX acct # XXXX, hard inquires include XXXX XXXX XXXXXXXX inquired XXXX XXXX, XXXX inquired XXXX XXXX, XXXX inquired on XX/XX/XXXXXXXX XXXX inquired on XXXX XXXX I did not authorize nor inquire about any of these fraudulent inquires. These accounts have resulted in several fraud inquired and fraud collections appearing on my consumer FICO credit report. Ive attached a list of the fraudulent hard inquires and a copy of my consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize said aforementioned fraudulent items reported, these accounts were not made, opened or initiated by me. All of these aforementioned hard inquires and collections are results of identity theft and or fraud. I have also attached a copy of FTC identity theft complaint # XXXX as proof from the US Federal trade commission that all of the aforementioned consumer credit accounts, collections and hard inquires are result of identity theft and or fraud.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof. PAYMENT HISTORY OUTRAGEOUS ONE PICTURE FROM XXXX JUST TOO SHOW WHAT THERE DOING
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (OH)

These financial institutions are in violation of granting me my right to " opt out '' from reporting my non public personal information to a nonaffiliated third party without my written consent. Nonaffiliated third parties being XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Discover Bank account number beginning with XXXX, also XXXX XXXX account number beginning with XXXX. I tried to opt out but they refused but now I am showing the laws that they are breaking and the fraud that they are committing to me the consumer. The law states that they need my written consent to give my non public personal information to a nonaffiliated third party as mentioned above. For the record I did not give my written consent to any of these financial institutions to disclose my non public personal information to these nonaffiliated third parties. Which they give my transaction history as well which is also non public personal information. Also a violation of the privacy act of 1974. And identity theft.
Consumer complaint received 2024-09-10
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. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
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. (CA)

I found out that Experian has the wrong EMAIL & TELEPHONE NUMBER ASSOCIATED WITH MY ACCOUNT! 
Because of this, I can NOT remove the freeze I have on my account. 

When I finally got a supervisor over the phone, she told me she COULD NOT HELP ME and said that an email would be sent to the email address I supplied over the phone, and that i could ONLY proceed with that email. THAT EMAIL NEVER CAME!!! INEPT! 

Egregious! This is sub-standard. LIKE DEALING WITH CHILDREN! 

AGAIN, Experian has the wrong EMAIL & TELEPHONE NUMBER ASSOCIATED WITH MY ACCOUNT! 

I NEED TO CHANGE IT TO THE CORRECT INFORMATION! 
I CAN NOT GET THROUGH TO AN AGENT! 
HOW DO I GET THROUGH TO AN AGENT! 
HOW DO I FIX THIS!!!???
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

In 2012 I went to the Emergency room for a XXXX XXXX and was treated by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX was under contract with XXXX XXXX XXXX XXXX at that time. XXXX did not turn the claim into the insurance company in a timely manner, and the claim was denied. Per their contract, XXXX was not allowed to bill me, the patient. Instead of writing the amount off the books, the balance remained but they did not bill me. Later, XXXX sold their Accounts XXXX to ProCollect. ProCollect refuses to acknowledge the paperwork that proves that I do not owe the debt. I sent a copy of the EOB from my insurance company with a code ( XXXX ). The XXXX page of the fax is the back of the XXXX which explains a code " ( XXXX ) You do not have to pay this charge. That is because the provider did not send the claim to us within the required time limit. ( XXXX ) ''. The have put a collections entry on my credit report and have been sending harassing letters and making harassing phone calls. I made several attempts to resolve the issue and in return received abuse and zero cooperation. The would not give me an original invoice or any contact information other than company name for the original charge. Through my own research I was able to get the whole story from XXXX XXXX insurance company. I will also be reporting ProCollect to the FTC for XXXX and FDCPA violations. The phone abuse went all the way to the top. I even spoke to XXXX XXXX XXXX, XXXX XXXX of ProCollect. He immediately began yelling at me over the phone and talking over me. Thank you very much for your assistance.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (FL)

XXXX. These accounts has been removed from my credit report : XXXX File # XXXX, Investigation Date XX/XX/2015, From the Company XXXX XXXX : Amounts {$480.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I have already called the Company who send the accounts to collections, FL. Hospital. They said that once they send the accounts to collections they have nothing to do with the accounts anymore. I have disputed these same accounts 3 times from XXXX different companies and they were removed, now these same accounts is on my credit report again from a different company ( XXXX XXXX XXXX XXXX ). THIS HAS TO STOP. I ca n't move forward to improve my credit untill this matter is over with. PLEASE STOP THESE ACCOUNTS FROM CONTINUING TO COME ON MY CREDIT AGAIN. All of these accounts has been removed. THANK YOU XXXX XXXX.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NJ)

Received an unsolicited credit card, Chase Visa Amazon Rewards.I have been told that the Fraud Security Dept. will not contact me even though I have requested an investigation. 
Also I want a copy of the credit application as submitted so I may see if clues exist as to the identity of the criminal.Otherwise I feel this is a bad move by Chase, much like XXXX XXXX, to increase business.I have spent hours attempting to research and control the damage, since Chase Fraud Dept. will not involve itself according to the employee I spoke with. 
I currently am a Chase customer, so my thoughts are that it was a Chase promotion.