davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-27
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. (TX)

I HAVE A XXXX XXXX  CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON XXXX XXXX CREDIT CARD BILLING SITE. THE ONE I MADE ON XXXX XXXX SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE. XXXX XXXX  REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I HAVE A CAPITAL ONE CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON CAPITAL ONE CREDIT CARD BILLING SITE. THE ONE I MADE ON CAPITAL ONE SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE. CAPITAL ONE REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (MO)

XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 5 years. 

Prosper is reporting me Negative XX/XX/XXXX, the month I filed Chapter XXXX. I filed a dispute and there was no change. They reported back to the dispute that everything was correct. This is showing as a negative account on my credit report and is absolutely not correct. It also is showing no payment history from XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2018-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am working with a bill lowering and monitoring service - XXXX - and Capital One will not allow me to let them access my account to look for unwarranted charges or subscriptions that I do not know about.
Consumer complaint received 2018-05-27
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. (FL)

I just recently ordered my Equifax report online and discovered that there are accounts still reporting that are not relating to me. Equifax confirmation number # XXXX States the following accounts were deleted : XXXX XXXX XXXX ( both of them ), XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. I have recently spoken to one of the chairman of XXXX XXXX XXXX bank directly and they have stated to me that they sent in the request to have both of the incorrect XXXX XXXX XXXX XXXX accounts reporting on the Equifax report to be removed through their Universal data form twice!! I have proof and documentation directly from the bank but yet Equifax is still reporting both of the accounts. Both of the XXXX XXXX accounts were also removed by the bank however Equifax is still reporting them. XXXX XXXX XXXX also stated that they requested the removal months ago however Equifax is still reporting this. Equifax confirmation number # XXXX states that the XXXX account was deleted and removed. Equifax confirmation number # XXXX also States the XXXX account was deleted. Equifax is fully aware that I was a victim of identity theft ; they have received my documentation with the FTC ID affidavit signed and notarized including the police report and case number for their own investigation. Equifax has ignored the FCRA section 605B. The FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report.

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

They did not provide one of the statutory reasons that permit them to deny within the four days the law permits Additionally, the asserted reason of conducting a 30 day investigation is not a condition of blocking under section 605B.

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. Equifax needs to remove these accounts and send me an updated report. None of my reports are the same online.. they are all different with several addresses that do not belong to me. I only have two addresses that should be reporting on this report. The report Equifax sent to me dated XX/XX/2018 did not include an actual credit report. I don't know which one is right viewing all the different ones online and Equifax need to send me my credit report. 

XXXX XXXX SSN XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2018-05-25
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. (IL)

I contacted my bank, XXXX, starting in XX/XX/2018, on several occasions to resolve the problem of my home mortgage credit history not being reflected on my XXXX and Experian credit reports. It's only shown on my XXXX report. The bank did confirm that they do, in fact, report monthly to not only those 3 bureaus, but to XXXX as well. XXXX asked me to complete an " Authorization to update credit reporting. '' After calling XXXX on at least 3 occasions, the issue is still unresolved. I've also called Experian on a couple occasions and have been on hold for literally over an hour on one occasion, and again for apx 40 minutes on another without ever speaking to a rep.
Consumer complaint received 2018-05-25
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: Experian Information Solutions Inc. (GA)

Upon receiving recent notices that I've been the victim of identify fraud, I started retrieving and reviewing my credit reports for errors. As such, I've noticed a few items that are completely incorrect in their status reporting or they are simply not mine. These have been previously requested to be disputed and either no response was provided andor no action was take as I've been told that the information was previously investigated. 

The credit item in question that's presently reporting as Paid Collections under the name XXXX. This item is reporting on all three of my reports. 

Then something called XXXX XXXX XXXX is reporting only on my XXXX report.
Consumer complaint received 2018-05-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On Several occasions I have submitted a dispute to all 3 Credit bureaus, Experian, XXXX, and XXXX about a debt of XXXX that's on my credit from a company named XXXX. I've asked for verification and all I keep receiving is a statement, nothing else. No signature, or SSN .I 'm pretty sure this is not enough evidence to prove this debt is mine.I have attached the statement that was sent to me
Consumer complaint received 2018-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AR)

I C System failed to provide any initial communication within 5 days of obtaining this debt that was originally was resold from another debt collector and is a violation of the Fair Debt Collection Practice Act, section 809. In addition I C System hasn't been able to provide any original application or verification obligating me to the debt in question. I C System must cease and desist all collection efforts until the necessary documentation is produced, and immediately remove this account from all 3 consumer reporting agencies if unable to do so.
Consumer complaint received 2018-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MD)

I discovered on XX/XX/XXXX that TransWorldSystems, Inc. had placed two negative reports on my credit report stating that they had charged off debt. I believe that I settled both amounts with them in XXXX, XXXX. The supervisor I spoke with " refused to remove the items from the my credit report '' even though I requested evidence that they had sent correspondence to me and also when I stated that I believed the debt had been settled with their agency. I have a credit card statement which shows payments to TransWorldSystems, Inc. from that time. 

That statement, with the payments circled, is attached.
Consumer complaint received 2018-05-24
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: ENCORE CAPITAL GROUP INC. (IN)

i called XXXX XXXX credit card to resolve this and they said i could not pay them and the account had been deleted but they are telling XXXX that the account is correct and that i am missing payments and they report to the credit s every month that it is a charge off and they have sold the account to XXXX XXXX so i called them to pay off the account but they said they had trans fered it to some one else so they could not take the money put they are telling experian the account is correct but i cant pay ether of them so i have ask them to be removed if they cant take payments on the accounts how do i fix it
Consumer complaint received 2018-05-24
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. (TX)

I have contacted Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and yet and still they still continue to report inaccurate information onto my credit file. XXXX WITH ACCOUNT # XXXX IN THE AMOUNT OF XXXX IS REPORTING ON MY CREDIT FILE. FIRST OFF this is not my account and Equifax continue to ignore my request and my proof that it's not mine to remove it. I am a victim of identity theft and they continue to report accounts that were open due to identity theft onto my file. XXXX XXXX in the amount of XXXX that is a medical bill is not mine as well as another XXXX XXXX in the amount of XXXX does not belong to me either. Im fed up with Equifax due to the fact that these companies can't verify the information with me so how in the heck are they verifying it with you. nI even have a letter from XXXX stating that they have been informed to remove this account from my credit file. Yet it still remains..
Consumer complaint received 2018-05-29
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. (IL)

This is my second time addressing this issue. The credit bureaus are reporting inaccurate information about my auto loan on my credit profile. I was never 30 days late, and my car is in my possession not repossessed! XXXX XXXX is reporting inaccurately and the credit bureaus are failing to properly investigate and report accurately. The first time I made a complaint about this issue, it was immediately removed from my credit profile and the account was updated to report positively on my credit report, however they later added this inaccurate reporting back on to my credit profile without ever notifying me! This inaccurate reporting has caused me to lose -166pts on my credit score and this information is totally inaccurate!! I would like this  inaccurate reporting to be permanently removed from my profile and not just added back later!! According to the FCRA once information is deleted from your profile, it is not to be added back later!! This violates my rights as a consumer and I would like this fixed immediately!
Consumer complaint received 2018-05-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have contacted the Credit Bureau regarding XXXX XXXX XXXX which is listed on my credit report. I sent certified letters. They have failed to abide by the Fair Reporting Act in providing me with the verification information that was used to verify my dispute.
Consumer complaint received 2018-05-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN HONDA FINANCE CORP (PA)

I leased a car with Honda finciancial in XX/XX/XXXX. My mother was co signer bc I don't have good credit, she was making payments to build my credit up. 
My mother passed away in XX/XX/XXXX, I paid car payments best I could, however car was repossessed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # unknown XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, pa XXXX
Consumer complaint received 2018-05-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Unifirst Mortgage Corporation (PA)

I have been trying to contact XXXX XXXX and XXXX for 1 month but neither one of them have returned mine or my fiancs, XXXX XXXX, phone calls. 
We have worked with XXXX XXXX since about XX/XX/XXXX with intentions to use your mortgage company. We met with XXXX once and he stated about this {$290.00} to help with XXXX credit. He never said it was non-refundable nor did it even help at all with his XXXX credit. XXXX then emailed us a contract for us to electronically sign. Like the gullible, nave people we are, we trusted XXXX and your company and signed it. Somewhere In that very tiny print it stated that this {$290.00} was non-refundable. We received this paperwork in the mail for us actually to sign, which we never did!!! Things went very quickly and we found a house, we gave XXXX the numbers for this house and like everyone else in this world we shopped with other mortgage companies. We went to 2 other companies and neither of them took any money from us! We found one that XXXX  credit was better and so were the numbers for everything else making our monthly mortgage payment cheaper so we went with that company. We then asked for our {$290.00} back. XXXX then informed us it was non-refundable. And then at that point did I look through the packet and find the actual paper that says it. But that paper did not have our signatures. 
XXXX then stated that he wanted another chance to match the numbers of this other mortgage company and if he couldnt match it he would return our {$290.00}. So, we gave XXXX the opportunity and sent him this other mortgage companies numbers but then XXXX did not fulfill his deal and never gave us UniFirsts Numbers. Therefore, another reason our {$290.00} should be returned to us. 
I come to you as a hardworking, honest, trustworthy person who works very hard for our money and values every XXXX. XXXX and I are getting married in 2 months and have XXXX children we are blending. {$290.00} is huge to us!!! If I was told from XXXX in our one and only meeting that this was non-refundable then I would have NEVER given it to him! I am asking you to please return our {$290.00}. 
We have been trying to reach this owners of this company for a while now and would like at least acknowledgement that you have received my phone messages as well as this email. If not, I will be contacting the better business bureau as well as the consumer financial protection bureau. I would also hate to let all of our family and friends as well as social media know the bad experience we have had with UniFirst Mortgage. 

Thank you XXXX XXXX
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions. (NJ)

Someone stole my identity and opened XXXX account in my name in XXXX XXXX XXXX I live in XXXX XXXX never in XXXX. XXXX sent this to XXXX XXXX collection agency. I along with my credit protection agency XXXX XXXX XXXX XXXX disputed this to XXXX with their fraud package. Police report and all evidence sent to them and credit agencies. I've also disputed and had the XXXX XXXX address taken off my credit report and have a credit freeze in place for 7 years. 
XXXX has now sent the collection even after being proven it was invalid account to XXXX XXXX XXXX XXXX as if they think i'm just going to pay it this time. 
XXXX is horrible if you try to call them and hold for 25 minutes they hang up on you I am so mad at them
Consumer complaint received 2018-05-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MI)

I requested a loss mitigation review for a modification to help bring my account current. The correspondence between the loss mitigation team at Freedom Mortgage and myself has been slacking. 
First, I have not received the acknowledgment letter that was supposed to be dated within 5 days of receipt of my documents advising me of the missing items. Yes I received a call, but they stated a letter was sent out. I advised them that I was at work, unable to write things down as I operate construction vehicles ( dozers, etc. ). They said no worries basically because this letter was supposed to be sent out. NEVER RECEIVED IT. I know according to the CFPB and OCC regulations, they are in violation of notifying me of my missing information. 
Number 2, Just 2 days ago, I finally received the SPOC letter advising me who my contact was. This should have been sent to me as soon as my documents were first reviewed. Not 3 weeks later. I am aware of the regulations and compliance rules/laws. 
3rd issue, I was advised my 4506T form was incomplete, when I review the sample provided verses the one I submitted, EVERYTHING is filled out correctly. This is alarming to me, as I now feel that Freedom Mortgage staff might not be able to review the documents in the proper manner. How do I know they will calculate my income, expenses, and review all the rest of my documents correctly?
Consumer complaint received 2018-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Credit Network Inc (OK)

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file.

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), this Notice of DIrect Dispute includes : Identification of the specific information being disputed : " most provided a signed contract between me and the creditor to validate this account '' an itemized statement does not validate any account, so dont provided, third party is hear say, my be a signed contract, NOTICE GIVEN PRIOR TO FILING SUIT IN XXXX  XXXX, OK
Consumer complaint received 2018-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

paid " interest-saver '' payment to capital one, then still was charged interest. spoke to their customer service and they stated " you must pay this 2 months in a row to avoid interest ''. no where in their billing statements or website does it stipulate this additional requirement. customer service refused to remove my interest charge.
Consumer complaint received 2018-05-25
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. (TX)

Credit report is reporting data that is incorrect. XXXX XXXX is reporting an account that was not opened or used by me. 

Hard inquires needing to be removed, credit was not extended
Consumer complaint received 2018-05-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

I have disputed this account more then 5 times with Equifax, XXXX, and XXXX I also disputed it with XXXX XXXX XXXX, when XXXX   finished there investigation the 2 time they did find that XXXX XXXX was reporting inaccurate information, and removed the account per FCRA I sent the information to Equifax and XXXX  showing that the information being reported was inaccurate using the information sent to me thru CFPB by the collection company that showed that the amount was less then {$2000.00} not penny more. but every time i dispute with Equifax and XXXX not only they dont correct the issue the up the amount my reports start at {$3300.00} then {$3300.00} then {$3300.00} since the Credit reporting companys know the rule and laws of FCRA im not going to give statues, but if an account has been disputed and nothing change but found to be inaccurate later must be deleted. I have provided such proof to Equifax And XXXX  SO AT THIS TIME THIS IS MY FINAL ATTEMPT TO RESOLVE THE ISSUE AND HAVE THE ACCOUNTS REMOVE FOR REPORTING IN BAD FAITH PRIOR TO ME FILING XX/XX/XXXX IN COURT I HAVE MADE COPYS OF ALL CREDIT REPORTS SINCE I STARTED THIS DISPUTES IN XX/XX/XXXX, I  ALSO HAVE THE DOCUMENT PROVIDED BY XXXX XXXX XXXX, WHICH CHANGE TRADLINE NAME TO XXXX XXXX I BELIEVE THAT EQUIFAX AND XXXX  ARE NOW ACTING IN BAD FAITH AND TO PROFIT OF INACCURATE INFORMATION BEING REPORTED THEREFORE THIS IS MY FINAL NOTICE TO EQUIFAX , AND XXXX PRIOR TO FILING SUIT IN WHICH I WILL NOT SETTLE AND WE WILL GO BY THE COURTS DECISION.