davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
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. (MN)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2018-09-16
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. (FL)

Hi. I have contacted Equifax, XXXX and XXXX several times asking them to update my address to XXXX  XXXX XXXX XXXX # XXXX XXXX, Florida XXXX because all other addresses that are listed are incorrect. They are all still showing incorrect information on my credit reports.
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Case Number XXXX With Transunion concerning Child Support Listed as an other loan and an open account.

The account ive paid the original amount off. They are still listing it as a other type of loan on my credit? But list the debt as XXXX? Then a XXXX balance.

Incorrect Information.

They report my payments in good standing but havent removed.

Its harmful and inaccurate to list child support as a loan? Its not a loan.

Listing what u pay like you build credit from it shouldnt be available. Because it doesnt build credit anymore than a utility bill?

An it has been harmful in my life becuase its stopped me from purchasing a home and a car.

They have denied me due to the debt.

Transunion said twice they would remove and has failed to change it.

While XXXX and XXXX  have removed.

If i could sue them i would because they keep telling me they fixed it?

Its fustrating to be held back in life from credit reporting bureas that report incorrect information.
Consumer complaint received 2017-08-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ROC Asset Solutions, LLC (FL)

In addition to complaint # XXXX and XXXX ( the original complaint ) they contacted another family member on XXXX XXXX, 2017. They contacted my aunt, stated they were trying to reach me regarding a serious legal matter. They also contacted my Grandmother 's home, I have no idea how they are even getting this information. They told my grandmother I would be jailed. My XXXX year old grandmother called me in a panic. The name of the person that made this call was XXXX XXXX? Not even sure that 's a legitimate name and the phone number is XXXX, file # XXXX. When I returned this call to speak with XXXX XXXX, I was told it had been dismissed and they could n't provide me any further information. How are these people getting away with this type of harassment. They contacted my job repeatedly after being asked not to. They called asking to speak with my HR department. They 've contacted every member of my family as if I 'm some type of criminal, then to say it was dismissed. This ca n't be legal and I would like answers. If I could sue this company or press charges, I absolutely would in a heartbeat!
Consumer complaint received 2018-09-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Select Management Resources, LLC (AZ)

Was overcharged on interest from the beginning, XX/XX/XXXX. Was never given any type of repayment schedule at all. A {$500.00} loan was taken out XX/XX/XXXX which I never received. Another {$500.00} loan was taken out in XX/XX/XXXX which I never received. And another {$300.00} loan was done inXX/XX/XXXX to which I never received nor authorized. I spoke to the manager, XXXX XXXX and to the district manager, XXXX. They both treated me like I was stupid .I asked for all my copies they had. It took me 5 days to receive them. My copies and their copies some to not match as far as initials on some and signatures are either missing or have been whited out. 
The times and dates on one contract are stamped way after XXXX. The store closes at XXXX XXXX sharp. 
I have checked The ARS STATUTES here in Arizona which they have violated. ARS 44-291, ARS-44, TRADE AND COMMERCE, STATUTE OF FRAUD, along with the U.S. code 's. 
I have all this documented neatly in folders. It very lengthy, but if you would like to collaborate further I'd be more than happy to to show you or a judge. 
Please feel free to communicate as I am also writing to the Attorney General, the Governor, the news media until someone stands up to the plate and help me hit a home run. 

Thank you .... 
XXXX XXXX
Consumer complaint received 2018-09-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC (FL)

ATG credit has been reporting for the past 4 months the incorrect amount of {$700.00} to XXXX credit bureau as an amount that I owe. This is not an amount that I owe to ATG Credit. I have reached out to ATG via email, chat and telephone for the past 90 days with no resolution. I have also reached out to XXXX   via telephone and was told there was nothing that I could do except continue to dispute it. The dispute and faxed documentation to XXXX is doing nothing since XXXX is not correcting the issue on their end.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

Experian refuses to remove 90 day fraud alert placed on my report on XXXX WITHOUT my authorization. As of today XXXX, past the 90 day period, company STILL refuses to remove expired alert. This qualifies as defamation
Consumer complaint received 2018-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

I am writing in regards to my current loan with Freedom Mortgage Company. Freedom Mortgage Company purchased my original loan with a correct estimated escrow amount of {$140.00} per month for county taxes. They were provided with this information for the escrow from the previous lender who showed the {$140.00} per month escrow amount value for my loan. Upon being contacted by Freedom Mortgage Company advising me of an option of refinancing my loan, I agreed to go through with the refinance. When I completed my refinance, my new loan then had an estimated escrow amount of {$43.00} per month. The average county tax for a townhome in my area is estimated to be around {$1400.00} per year. It was not until I received my recent statement in XX/XX/XXXX, that I first noticed a shortage in my escrow account, as my payment had increased by {$290.00}. I had not received any previous correspondence from the company advising me of this. I then had to call them to get the escrow shortage letter forwarded to me via email. After further review I called the company again advising them of the mistake that was made, I was told I could only dispute in writing and nothing else could be done. I have sent an email to the company 's Customer Care unit as directed. I have been told a response can take up to 30 days. Instead of my escrow estimate being based on the correct county tax amount of {$1400.00} per year it appears that the county tax amount used was based on the pre-construction value of my home. The {$1400.00} per year is the tax assessment value that should have been used when calculating my refinance.
Consumer complaint received 2018-09-24
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. (IL)

On XXXX XXXX, 2018, XXXX XXXX XXXX another collection item showed on my credit report that has not been verified or validated. I contacted Equifax XXXX online XXXX, XXXX and XXXX to advise of the issue. I asked was there a fraud alert and they said " yes ''. 
Fraud alerts have been on my credit report since XXXX, 2018. 

I advised they that they are reporting not valid information and asked them to remove it. They informed me that they have to dispute it, even if it's fraud. That I should file a police report if I believe it was identity theft. 

One of the requirements is that I'm allowed to obtain information from a debt collector. At this time, I was not able too. I was advised to contact the debt collector.
Consumer complaint received 2019-08-03
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: Bread Financial Holdings, Inc. (TN)

I have credit alerting provide by XXXX  ( XXXX ). I received an email notification XXXX19 that a company called COMENITYCAPITAL/BUILD had made an inquiry about my credit. I have no idea why they would have done so. I locked my credit using my XXXX  account.
Consumer complaint received 2019-07-10
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. (OH)

In XXXX of 2019 I disputed and made an attempt to correct a few errors that were being reported on my Experian credit report. Two of these errors were two accounts that had gone onto collections ( medical bills ). The other two errors were accounts that were still being reported after 7 years of being reported negatively. The two medical bills that were reported were not paid by my insurance in which I was not aware of. I'm not saying that the bills are not mine, just should be given the opportunity to make payment arrangements on them instead of them being turned into a collection agency, then turned in to the credit bureaus. I disputed these same four accounts with XXXX and XXXX and after completing an investigation both agencies removed the information from my report. According to the Fair Credit Act, Experian has the responsibility of reporting consumer credit information accurately.
Consumer complaint received 2018-09-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (GA)

On XX/XX/XXXX I received a notice on my credit report that a collection had posted to my account. Very aware of my credit this was an immediate error in my mind. The debt appeared to be from XX/XX/XXXX, original creditor being an XXXX XXXX. The phone number of the credit collector was a bit cryptic - During business hours there's never a live person answering, the phone actually didn't ring, leading you to believe you may have dialed an incorrect number but seconds after you're looking at the phone to double-check the phone number you called, a broken up voicemail comes on giving you an option to only leave your name and number. ( no options to speak to someone ). I left a voicemail and asked for them to send notice of the debt in writing - I did not receive nor did I receive a call back. 

XX/XX/XXXX I filed a dispute through Experian. XX/XX/XXXX, I received a dispute notice that the creditor has validate a debt owed and the collection will remain on my account. 

I have never received any notice of this debt - yet I can't get the creditor on the phone. This is unfair to my rights. My credit score dropped 40 points with the add of a collections I can't properly dispute because I haven't seen a bill ( not from the original creditor or the collections ) My complaint is XXXX XXXX as listed on my credit report is operating under unfair practices. My rights have been violated when they placed a collections on my report damaging my credit worthiness yet they can't dignify me with an end to end conversation to give me information I need to protect my rights and my credit history. I will now go on a journey of trying to contact a company with an amateur 's business stature ( hiding behind a a voicemail system and XXXX XXXX ) while they make unfounded accusations that damage my credit worthiness until this dispute is resolved. 

XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Consumer complaint received 2018-09-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation (ID)

XXXX XXXX has been sending monthly payment of {$170.00} to XXXX XXXX credit and XXXX   has only been posting {$160.00} and trying to collect the {$10.00} saying it is past due. XXXX XXXX   has spoke to them and showed proof they are sending the correct amount. XXXX claims they are only recieving {$160.00}. I have contacted them about it multiple times they say it is the XXXX XXXX   company not them. I know for a fact it is XXXX because my other creditors do not have this issue.
Consumer complaint received 2018-09-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I received a letter stating that my interest reduction rate time period was up and to call to re-apply. When I called on XX/XX/18 I was informed that since my reduced payment was within {$50.00} of the regular payment, I do not qualify for a reduced rate. I was also informed I do not qualify for a forbearance or any other type of payment reduction, payment hold plan. This company has been a nightmare to work with from the start. They have taken payments from my and my cosigners checking accounts without permission, they have over charged, under charged and changed payment terms with no notification to me or my cosigner.
Consumer complaint received 2018-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (GA)

L.J. Ross & Associate have my identity without my permission. I have not ever had an account with this company i disputed this debt with the credit bureau and they reported this debt as accurate which is fraud because I never gave them my name. address. phone number. social security number.date of birth or any of my personal information.under the FDCPA I have a right to request validation for the debt that say I owe them which will be a contract I signed with their company. this is a violation of the fcra because this is inaccurate information on my credit report.
Consumer complaint received 2019-08-03
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: Waypoint Resource Group, LLC (TX)

This account neither is or ever was an account of mine. I am requesting that I get this removed from my credit report. Clearly there was no single payment made and as a result my credit has been damaged. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2019-08-01
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. (PA)

i got my credit report of all 3 credit bureau on XX/XX/2019 from XXXX  and I found many error in all 3 credit bureau which I would like you to help me solve. I already dispute this information and even send them proofs to the credit bureaus and they have not done anything to correct this information, which is affecting my credit history
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. (TX)

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 XXXX news. 
Going forward Equifax should be required to monitor every 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. I will have to spend valuable personal time securing my identity because Equifax did not secure my personal information. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2018-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MD)

I went XXXX XXXX XXXX, I was offered to apply a credit card to make my purchases. I applied with synchrony bank and was offered a credit card on the spot. I made purchases costing {$2100.00}. I started my payments as scheduled each month through my bank 's bill pay program and I was always on time with them. In my mind I had a certain month when I pay off this card. In the meantime, early on they increased my credit line and I called them stating I do not want this increase. So after making {$1500.00} and some payments to the bank last month ( XXXX I opened the bill and I owe another {$1500.00}. I thought it was a mistake so I called and explained myself, the lady transferred me to the manager who said that I went past the promotional period of 1 year of paying without interest that is why. I started making payments in XX/XX/XXXX and I told him I was not aware of that. Even if I past a year which is in XX/XX/XXXX now, it's just been 2 months why this much interest of {$900.00}, asked to review their interest did not get anywhere and called for the second time, did not resolve my problem. I decided to file this complaint because I do not have the money to pay this bank for this much interest on the furniture bought last year. Please advise to review their interest because it is not right. Now they charging me {$43.00} of interest each month on top of the {$900.00} they have already charged. Please this is not helping me at all, I understand banks make interest but at the same time it has to be reasonable. Please plead for my case.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio Servicing is not reporting correct information to the credit agencies. SPS is reporting that the mortgage is closed. They are also reporting an incorrect balance. My account is still active and has been current since XX/XX/2018. I spoke with SPS on a recorded line in XXXX  they advised that it would begin to report correctly. SPS has since not updated my information with any of the credit agencies. I spoke with SPS on a recorded line again in XX/XX/XXXX and they advised they are not reporting because I have a dismissed bankruptcy, and if I wanted it corrected I would need a reaffirmation document. I reached out to the attorney the represented me in my bankruptcy filing and they advised that reaffirmations are only for chapter XXXX   cases. I had chapter XXXX reorganization and they should be reporting accurate information. SPS reported my account as closed and past due inXX/XX/2018. At that time it was the plan of SPS to foreclose on my property. I was able to gain assistance and mortgage reinstatement through a state funded program that paid all of my missed payments. With this complaint I want for SPS to begin to report my mortgage on my reports as active and current dating back to XX/XX/2018. I have filled a previous complaint on SPS because I felt I was a victim of racial discrimination. I still feel this way as evident in their unwillingness to provide assistance during my hardships, and currently by reporting information that destroys my credit rating.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (KY)

I tried to get my credit reports from the three agencies through the Annual credit report website. I input my information but due to issues unknown to me the sites failed to produce the reports. I have done this years before without an issue. My credit score dropped 45 points since XXXX this year. Now I can not access my information to see why my score dropped. I get my score from my banking web site for free. There is no process of getting the free reports from them, to figure out why the score dropped. The credit agencies do not have a direct phone line to call to remedy the issue.