davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-09
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. (NY)

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

This should be rectified by : Equifax should be required to monitor my account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. If there is fraud due to this misuse of my report, Equifax should be responsible for correcting the fraud as well as responsible for any associated costs. 

Additionally, Credit freezing should be free. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2018-07-13
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. (NC)

On XX/XX/2018 I submitted a request for equifax to correct information on my report. Such as XXXX XXXX XXXX. It came back as verified. I need to know how they verified this information? They sent me back a form letter today XX/XX/2018. 
The dispute process requires the CRA to refer a copy of the dispute to the furnisher of the disputed information, and to receive a copy of the furnisher 's investigation. 
I am then entitled, under FCRA 611 ( a ) ( 7 ) to request a description of the procedure used by the CRA, which must include the name, address, and phone number, if available, of any furnisher to which the dispute was sent. See FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

I didnt get that. I got a generic letter. What they did do was add a fraud alert on my file that I didnt authorize. I am trying to understand how it is my file, but they can add a fraud alert without me knowing. And they sentbthis information to other credit reporting agencies. Which is causing a big mess in my home buying process. I want the fraud alert removed immediately. I want XXXX XXXX removed. This account has not been verified in over 30 days. The other credit bureaus have removed this account because of lack of being able to verify it. Why is it still here. Why am I being penalized for their errors at equifax. My files were split. They keep telling me that I had no collections. Then in XX/XX/2018, I suddenly received notifications that I now have collections. They have brought me to the point of wanting to proceed with legal action for ruining my reputation.
Consumer complaint received 2018-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (SC)

I received a letter dated XX/XX/XXXX from Ditch/XXXX XXXX about interest on my home in which I added to my chapter XXXX bankruptcy case number XXXX which was discharged in XX/XX/XXXX. I wrote you previously about this company stating that I owed them XXXX on a home that was discharged in my chapter XXXX bankruptcy. I filed case number XXXX with you and you made them send me my deed to my home. Now they are stating that I owe this much interest on my home and trying to send XXXX XXXX an interest statement for this XXXX. I am on social security XXXX and do not file taxes on my income. I talked to my attorney and they gave me advice to file taxes in which I do not have to file taxes being XXXX. I have never paid this much interest on the home in one year, since I have been living in the home. I believe this is bogus and this new company is trying to collect for XXXX XXXX XXXX. I am filing this complaint to get them to stop collecting from me.
Consumer complaint received 2018-07-13
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: Resurgent Capital Services L.P. (PA)

I have reported this numerous credit bureaus information is fraudulent on XXXX XXXX XXXX  XXXX Has been notified by calls and letters. I did not open this account I did not live at the address at that time I have asked for proof receipts and original documents I have signed and proof they legally obtained this debt and have gotten nothing. They harass me constantly with collection calls. They also threaten and call people liars. Any help would be greatly appreciated. 
Thanks XXXX XXXX
Consumer complaint received 2018-07-12
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)

I have been disputing accounts on my credit report that were not being reported accurately that it should be deleted and Experian & XXXX   came back to say the accounts were verified when I showed documentation proving that it should be deleted. I sent the letter certified to the creditors on my credit report and they had no documents showing the reporting was valid nor accurate. XXXX was the only bureau to correct this. 

Attached I have written the results of a previous dispute with the CPFB and XXXX  corrected the information but Experian and XXXX will not follow suit. 

Thank you for submitting your complaint on XX/XX/2018, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to XXXX. The Results of Our  Reinvestigation provided XX/XX/2018 : We have researched the accounts. 
Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, NY XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This account is currently reporting paid as agreed, with no late payments. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX.
Consumer complaint received 2018-07-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (AZ)

I scheduled my payment in XX/XX/XXXX for my XX/XX/XXXX payment - I made sure to transfer the funds to my bank account on XX/XX/XXXX to ensure they were available for the scheduled payment ( I can show proof ) I thought all was fine. Today I log into my bank account and show funds are still there I log into my PayPal account and see the payment was not process and because of that was accessed over {$200.00} in interest fees - I called and complain spoke with Manager XXXX XXXX she basically brushed it off and said doesnt show scehduled payment and will not reverse the interest- I advised her I would be filing this complaint as I did what I was required to ensure no interest was charged - she understood and still would not reverse wrongfully charge interest.
Consumer complaint received 2018-08-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have a mortgage with well Fargo, is an FHA loan. I took advantage of the disaster relief to perform some repair after the hurricane. Now the bank wont eliminate my PMI, saying that I had late payments, I did pay the monthly payments on time and I repaid the monthly payments for the relief time as we agree. I do not have any late payments.

I called on XX/XX/XXXX I talked with XXXX XXXX. 

I called on XX/XX/XXXX I talked with XXXX ( supervisor ), XXXX passed the case to the executive team, the case was assigned to XXXX XXXX. He said it should be resolved by XX/XX/XXXX. 

I called on XX/XX/XXXX I talked with XXXX XXXX, he said there is no resolution yet. 

I called on XX/XX/XXXX I talked with XXXX XXXX, still no resolution. 

I called on XX/XX/02 I talked with XXXX, no resolution. 

The information that Im receiving is that they are researching. They do not deny that Im right but they do not resolve the issue.
Consumer complaint received 2018-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accelerated Receivables Management, Inc. (FL)

In 2016, I ended my contract with XXXXXXXX XXXX. Now here we are 2 years later and I am receiving threatening calls from a collection agency ( Accelerated Receivables ) and law firm threatening me almost on a daily basis. I owe nothing on this account and certainly not {$1600.00} to them. I have asked them to send me something in writing that proves this debt and still I have received nothing. This seems like an ongoing issue with XXXX after looking at reviews on the XXXX.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

I have been a victim of identity theft, a Citi cash rewards card was opened in my name in the amount of {$3600.00} in 2019. Once the card reported I contacted the credit bureaus that advised me to contact the creditor. I have spoken with the company several times, I have submitted police and etc reports. Citi stated they would send out a theft affidavit but I never received it. I was advised Case number XXXX was assigned in XX/XX/2019 due to fraud. They have informed me that I am not liable for the account. The account was assigned to representative and I have left several messages and no resolution. Citi has stated The card and statements were sent to your valid address, which is the same billing address listed on your CFPB complaint. The address listed is not my address XXXX XXXX. My address is XXXX XXXX XXXX . The statements were sent to my address after disputing account and providing accurate contact information. Citi advised me the original opening address was XXXX XXXX XXXX XXXX . I have provided current and past drivers license with tax returns from 2 years showing correct addresses, I have also provided Identity theft reports, and filed a police report with local enforcement.
Consumer complaint received 2018-08-13
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. (GA)

This Collection is incorrect and is not mine I do not owe and medical bills! I once disputed this and received a letter from the company that they sent it back to the original creditor and would be deleted off my report and shortly after it was taken off it was put right back on. I have submitted proof and they are still reporting which is causing my score to keep dropping every time they put it on there! It is reporting on Equifax and XXXX. 

This collection needs to be deleted immediately and they need to cease contact with me and my report as this is violation on their behalves.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.
Consumer complaint received 2018-07-12
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 — Problem with personal statement of dispute
Company: CHECK INTO CASH INC. (TN)

XX/XX/XXXX XX/XX/XXXX Check into cash XXXX XXXX tn XXXX granted me a loan which is paid off now .i was told that it would be a soft hit on my credit report i dont know why they hit it again in XX/XX/XXXX since they already hit it in XX/XX/XXXX ... Anyway i check my credit report last nite and it said check into cash CHECK INTO C XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX hit my credit report twice and hard it lowered my score badly - the person working at the time explained everything to me and said it was a very soft hit and to sign here i did. .I call the address above today it is the corp office and told her i disagreed with what they did all she was going to do is send me a copy of what i signed she ask me the name of the person that told me that but the people that worked there no longer works there any longer - My husband was standing beside me when i ask and when she told me it was a soft hit to my credit anyway she said that she would not remove it - i do not think it is fair and i told her that i was going to warn others i already told my husband he needs to check his report and stop going in there. personally i figure the reason they are hitting peoples credit report so hard is so they can ruin peoples credit and they will keep coming back in there and getting loans. 
Is there any way you can get it removed from our credit report? Please
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-11-19
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX Credit card was closed XX/XX/XXXX and there was a delinquent remark on XX/XX/XXXX from both TransUnion and XXXX.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2018-07-12
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. (CA)

On XX/XX/17, the merchant sold me goods for {$530.00}, including sales tax, ( a used truck radiator support part ) different from that agreed upon ( after the purchase I found it would not fit as represented by the merchant ). After being told by the merchant the part would be exchanged for the correct part, I returned it and the return was accepted. The replacement part, however, also was not correct for my classic truck restoration and the merchant had no other part to offer. He refused to provide a Visa credit, went out to his yard, retrieved the returned part and attempted to stop me to throw it into my vehicle to take away. On XX/XX/17, I entered a billing dispute with Citibank. On XX/XX/17, Citibank 's Dispute Resolution Unit ( Dispute Unit ) sent me a copy of the merchant 's response of XX/XX/17, giving inaccurate and false statements submitted by a person who was not a witness or involved in the sale and return transaction. The Dispute Unit then gave me until XX/XX/17 to further respond. I did so on XX/XX/17. Citibank, however, refused to acknowledge the my document ( later, it finally did but said it was then too late to take action ), and relied on the inaccurate and false statements about the transaction submitted by the merchant. Citibank incorrectly stated on XX/XX/17, that it had no authority to take any further action contrary to Reg. Z.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

After receiving a copy of my consumer report I noticed inaccurate information being reported by Santander Consumer, USA. I then sent a 1692g request in which was received by Santander on XX/XX/2018, at approximately XXXX. Santander failed to respond to the requst and continues to report inaccurate information on my consumer report.
Consumer complaint received 2018-07-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC (AE)

CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Earlier this month, XX/XX/2018, The above debt collector called my residence and gave my husband information about my debt. My husband was unaware of this and was not an authorized user or co-signer. I called the debt collector to speak to managment and tell them my rights under FDCPA had been violated and I planned to take action. The VP of the company, XXXX XXXX provided me with the address of their company to submit any paperwork.
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (GA)

I had an account with XXXX XXXX and my XXXX XXXX XXXX phone broke so I sent it in so they could send me a recovery phone. I never received the new phone and they sent me a letter saying they never received my phone. 
Now Im seeing on my report that I have a {$710.00} collection for said phone Im assuming. 
I ended up switching to XXXX XXXX after that.
Consumer complaint received 2018-07-13
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)

ON XX/XX/2018 I CONTACTED EQUIFAX IN REGARDS TO FIVE FRAUDULENT ACCOUNTS THAT APPEAR ON MY CREDIT FILE. IN ACCORDANCE WITH SECTION 605B OF THE FCRA I WOULD LIKE TO HAVE THESE ITEMS BLOCK FROM MY CREDIT FILE.
Consumer complaint received 2018-07-13
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. (IL)

In XX/XX/2018 I contacted Equifax in regards to an account namely : XXXX XXXX XXXX XXXX XXXX, which appears on my credit file. This is NOT my account and I have made several attempts to have this item block from my credit profile. 

I have suppressed my personal information with XXXX XXXX and I have corresponded with the circuit court of XXXX county, AL which indicated in a letter to me that they do not report information to the credit bureaus.
Consumer complaint received 2018-07-12
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: CAINE & WEINER COMPANY, INC. (PA)

Credit inquiries 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, all 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 These are all inquires listed on my XXXX, XXXX and XXXX reports..i have contacted all the companies on numerous occasions also I have contacted all 3 credit bureaus, they are still listed.

Listed below are accounts showing on my reports that SHOULD NOT BE LISTED 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, Caine and weiner
Consumer complaint received 2024-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed that there is a reported collection that magically popped up and states that it was open on XXXXThe collection agency XXXX XXXX XXXX had placed a debt in the amount of {$1300.00} on my credit report that is not my debt. This debt is most likely a result of identity theft as well as fraud. I reached out to the company and asked them to provide me with a signed purchase agreement as well as the information for the originating creditor and proof of ownership for this account. I was not provided this information therefore this debt should be removed immediately. 
I would also like the following inquiries removed from my report due to them being unauthorized. The following inquiries are below : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX