davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
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. (IL)

Unauthorized use of my credit report. I currently have 2 major issues with Equifax Consumer Services ( credit bureau ) One issue is XXXX XXXX, the second issue is XXXX XXXX XXXX  I have been disputing this XXXX XXXX account with Equifax since XX/XX/2021. Equifax keeps telling me that the account is verified. Equifax has not shown me any verification methods, all it says is " verified ''. I submitted yet another dispute XX/XX/2021, demanding Equifax to prove how they verified the account with XXXX XXXX. I called Equifax XX/XX/2021 and spoke with three different representatives, XXXX, XXXX and XXXX, I asked how do the verify accounts. They said, they only report what is reported to them. Equifax said when we dispute an item on our report, they ask the creditor to verify the account and when the creditor verify that information, they tell Equifax it is " verified '' and Equifax marks it as Verified on their end. Equifax said the do not partake in the verification process. 
Next issue is 5 collections from XXXX XXXX XXXX were reported in XX/XX/2021. The balance on these collections were {$340.00}, {$860.00}, {$1600.00}, {$1700.00}, and {$1800.00}. I disputed these collections and all 5 were removed in XX/XX/2021. In XX/XX/2021, all XXXX collections were reinserted by Equifax and all 5 collections now have a balance of {$0.00}. I logged into myequifax.com, to review all of my credit reports from Equifax, and my XX/XX/2021 credit report is missing. I called Equifax and spoke with 3 different people about this issue XX/XX/2021. I expressed to these 3 people, XXXX, XXXX and XXXX, multiple laws they were breaking and the number of violations they were in. I told them I did not validate the debt with XXXX XXXX and I did not validate the debt with XXXX XXXX XXXX  and they need to be removed until I validate them. XXXX kept ignoring my request to NOT submit another dispute, he started another dispute and asked if there was anything else I wanted to add to the dispute and he hung up on me when I asked to be transferred to another representative. All three representatives I spoke to said that there was no trace of the 5 collections being on my credit report prior to XXXX, no indication of the 5 collections ever being on my report or removed.
Consumer complaint received 2021-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

Hi SOUTHWEST CREDIT SYSTEMS ; XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-07-28
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. (CT)

I have sent certified letters to the bureaus asking them to remove inquiries that DO NOT BELONG to me. I need them to verify the inquiries and they have not. Here are the inquiries on my report : XXXX/XXXX  XX/XX/20, XXXX  XXXX XXXX XX/XX/20, XXXX /XXXX  XXXX XX/XX/20, XXXX XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX  XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20,
Consumer complaint received 2024-09-04
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. (MN)

Identity Theft! I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card. 

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Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XXXX - XXXX XXXX XXXX Filed with the credit bureau that I was late on a payment in XXXX of 2020. I had realized the issue only when applying for a disaster loan that affected my business. Because of this negative remark, I was unable to qualify due to Derogatory Marks concerning my auto loan. I investigated and showed XXXX via email that they were at fault as they switched my statements to electronic statements without notification. In addition, I was hospitalized during this period and without a statement, my caregiver ( XXXX  XXXX ) was unable to pay said bill. Also, concerning this payment, I called to rush payment after two days late as i checked payment status as it is also on automatic billing and the automated system said no balance due. The next month it had stated an amount in excessive of double my payment, which I paid in full. I have called numerous times including their submission form in concerns to this issue and they have promised calls back with customer service stating that it is notated on the account that someone will follow up. Not one call has been received and I have been fighting this issue for 3 months. They falsely reported this multiple times and their choice to not change or communicate said requests is fraud as they never notified me concerning the statement delivery switch. 
Issue number two is they continue to bill me even though they received a settlement on the vehicle and I have gap insurance through XXXX XXXX. Customer Service threatened me if I do not pay they will hold me to it on my credit. The documents are attached proving payment from my auto insurance company. A lawsuit is in the process for this institution as they also violated ADA, Americans with XXXX act, violating reasonable accommodations for those whom are XXXX XXXX. 
These false reporting are causing the denial of an EIDL, Emergency Disaster Loan, of over 1 million dollars between my two XXXX. Damages more than this will be applied as well as they refuse to remove said debt from my account. This is fraudulent activity and any company supporting these actions are being listed in the pending lawsuit. 
The insurance company also delayed payment by 5 months ignoring my requests as well as this will be pursued in a different matter. 
Also, I logged into my portal to view status of my refund and they actualy ar requesting an additional payment for XXXX with no desription of the reasoning. Image Provided.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (CA)

XXXX from Key Bank called with no answers-I told her to overnight my card uts been 15 months. She refused. This bank stole {$2000.00} and is refusing to send a working card. I asked for card XX/XX/2020 and XX/XX/2030 and still have no card.
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OK)

have send a dispute letter to XXXX and XXXX stating the information being reported is inaccurate. A collection account reported by XXXX XXXX, XXXX XXXX and LVNV Funding is reporting a past due on my credit report. I sent 3 letters, On on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both bureaus stating that a the date of last active on all three account were different, my collection account was reporting a past due balance, and XXXX XXXX is reporting twice on my credit file for the account. And my credit report still says the same thing.The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. They never update the report stating that there was a dispute. Please look into this for me. thanks in advance.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid 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. (WV)

on XX/XX/XXXX I reported fraudulent charges to my Citicards credit card account from XXXX which showed up on my account in the following charges : XX/XX/XXXX XXXX for {$1.00} XX/XX/XXXX XXXX for {$39.00} The citibank representative closed the account as a stolen credit card and reissued a new card however, Citibank transferred these charges to the new account. 
I have called the company and spoken with representative from customer service-fraud departments-security departments and collections departments, communicated through Citibank 's chat service with representatives, sent a letter certified/return receipt with evidence of the communications and that the charges were fraudulent as shown by XXXX only to have Citibank refuse to take the charges off, tried faxing the information over 7 times to a fax number given by Citibank which does not go through ; Citibank is assessing late fees and interest on these fraudulent charges and sent delinquent status to the credit bureaus. I have documentation of all of my efforts to correct this with Citibank. 

This has been going on since XX/XX/XXXX and Citibank refuses to correct it and is harming my credit report and rating even though they have a 100 % fraud guarantee that the consumer does not pay fraudulent charges or interest and penalties. I reported the charges the day they came through on the account and Citibank refuses to correct it. I contacted XXXX and had them investigate this charge which they found was indeed fraudulent and was made on a credit card number which had already been closed by Citibank at the time the perpetrator entered it on XX/XX/XXXX. So, Citibank allowed a fraudulent charge to go through on a closed account from the start. XXXX refunded Citibank for the charges made and gave me the account, address and IP address of the perpetrator and still Citibank refuses to clear the late charges and fees. The only balance on this card account is the late fees and interest which Citibank is charging on a fraudulent charge which was reported to them back in XX/XX/XXXX. 

I have tried every avenue possible to contact Citibank who refuses to correct it.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-07-27
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. (NJ)

In 2020 I sent XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX, a letter to validate the debt and ask them to have the collections account removed due to it being inaccurate. The amount of alleged debt owed is {$190.00} for XXXX XXXX. They responded with a letter on XX/XX/2020 stating that they have closed the account and will have it deleted from all the consumer credit reporting agencies. The Collections account is still being reported on my Equifax credit report. They are violating many of my rights as a consumer.
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have submitted a loss mitigation package to Select Portfolio Servicing, Inc., numerous times and I believe they don't even take the time to review my full package. I have many attempts to advised them that my income has changed as I am renting part of the house so I can have enough income to make monthly mortgage payments. I always get the same response that the loan does not qualify for any type of retention options ; I do not get anything in writing explaining the specific reasons for the denials. I do not want to lose my house.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

My credit limit was reduced with out any notice or reason, I have made all my payments on time. 

The reduction in the credit amount cause a direct impact on my credit score Historically the monthly interest charge is {$27.00} however on XX/XX/2021 I was charged {$170.00} in interest fees alone. 

I have tried tirelessly to speak to a representative for over a week to discuss my concerns One time I was on hold for over an hour no one ever picked up I have sent multiple emails, with no reply. I have not been able to communicate over the phone or by email.
Consumer complaint received 2021-07-27
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 I have multiple inquiries that total up to 8 inquiries on my report that are hurting my score and putting my chances down to fund myself to expand my XXXX  for me and my family. These inquiries are fraud and I feel unprotected as a consumer. My information was leaked in a data breach which has made my personal information very vulnerable. Multiple inquiries from XXXX to XXXX are fraud. Please protect me from these criminals that try to violate the system and take what isn't theres. I did some research and I see that according to the FCRA all fraud inquiries that are reported must be blocked and remove with 4 days. These inquires have to be resolved. Im attaching the FTC report with the dates and times to specify what needs to be removed. These accounts are fraud. I will also be providing proof of my government registered id registered to PA which is my license and a proof of address. 

Protect your consumers God Bless
Consumer complaint received 2024-08-30
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. (MD)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2021-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

A few weeks ago I looked at my credit report. It said I had 5 negative marks all from Rash-Curtis and associates, 1 was for XXXX XXXX XXXX 2 from XXXX XXXX XXXX and 2 from some company called same-day heating plumbing and air conditioning which I had never heard of. I contacted rash Curtis and associates about the same day heating plumbing and air-conditioning. Which was approximately two debits of {$700.00} each. When I asked for the information about this company they refused to give it to me and said they were going to request it from their higher level dept. and that they would get back to me shortly. They did not respond. At the same time I submitted a dispute with XXXX XXXX to try and expedite this situation. I am waiting for the letter from XXXX XXXX that has all the information about the dispute. I can send you a copy when I receive it. Which will prove that they have somehow falsified information. Today I went on to the XXXX XXXX website to check the status of the dispute and to my surprise found that the same-day plumbing heating and air conditioning name had been removed and two NEW debts had appeared from the XXXX XXXX XXXX for the exact same amounts as the two debits from the same day plumbing heating and air conditioning company. Then I called XXXX XXXX and they said that The dispute ended in the favor of Rash Curtis and associates. Because their information was believed to be correct! I am currently waiting for a call back from XXXX/XXXX  wellness center to provide the correct amount owed and the correct number of debts Owed. Furthermore I have not received one letter From Rash Curtis and associates prior to a few weeks ago. After my communication with them regarding this issue! So I dont believe I should have to pay for added costs because they did not notify me appropriately. My address has been posted on XXXX XXXX, XXXX, and XXXX  for more than 20 years! And when I was on the phone with them they did a credit check without my permission and took my credit score down. This is very suspicious behavior, and I believe that Rash Curtis and associates needs to be held accountable for it!!! This misrepresentation has caused a lot of damage and confusion, with credit companies and makes me look like I dont pay my bills, which isnt true!