davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I had a {$960000.00} mortgage from XXXX XXXX XXXX XXXX ( XXXX Michigan ). My ex-wife was awarded the mortgaged building and assumed the mortgage in the judgment of divorce. I obtained a Modification of Mortgage indicating that I was no longer on the mortgage - which was recorded with the XXXX County Register of Deeds. The mortgage was not removed from my credit record, and in XX/XX/2020, I submitted a dispute with Experian, XXXX and XXXX - submitting a copy of the recorded Modification to each agency. XXXX and XXXX removed the credit item - experian did not. I called them to try to get it corrected - got nowhere. I called again this morning, and had them tell me that I had not submitted the document to them in my original dispute. Based upon that, I have attempted to submit it to them via the myexperian.com/upload site. the site indicated that I had timed out - on three occasions. It refused to accept the pdf copy another two. I have sent them a copy with all of the several documents required by way of US Mail. I anticipate it getting lost. And then my credit score was reduced by 17 points within an hour of my attempting to address the dispute. Not nice.
Consumer complaint received 2021-10-12
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. (AZ)

Card opened in XX/XX/XXXX. I haven't ever received a statement from them to this day, and didn't receive my card until Months later. Didn't have online access because I didn't receive a statement/billing/card info. They stated I have a late payment marked for XX/XX/XXXX. I am not receiving statements, no online access, no communication AT ALL. They removed multiple late fees due to this internal error previously so if they can admit it was an error qnd remove the fee, why won't they remove the remark to the credit bureaus. As soon as they called me stating I was being sent to collections for a late payment I had no idea of, I paid the balance. I have received NO communication from them for late payments, no statements, calls nothing so I didn't know when my payment was due or what my balance was. I have asked for this to be removed from my credit report multiple times due to an internal issue on their end and even filed with my credit bureaus and provided all information from my account with them as well as screenshots from the online system I finally got access to end of XXXX XXXX from a helpful representative that finally wanted to assist. Today I spoke with a manager and they said they will not do anything at this time and to " wait for the letter '' ( that I'll never receive ) from the last dispute for removal even though I can clearly prove I'm not getting mail and have no access to see what they wrote. This has been going on since the day they called me in XXXX stating I was late. This is the only late mark on my credit report as I don't pay bills late and always try to pay early but without statements and access to what I owe and when it's due, How can a company expect someone to pay them appropriately. In the screenshot you can see all payments to prior to XX/XX/XXXX were made by phone and are on different dates because I didn't know when my bill was due nor did I have online access to see statements.
Consumer complaint received 2021-08-30
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

I opened a checking account with Chase Bank in XXXX. There is not supposed to be a monthly service fee if I meet certain criteria including " have electronic deposits made into this account totalling {$500.00} or more ... '' during the statement period. This has been done every month and for the first 2 months there was no fee charged. However, on the latest period ending XXXX XXXX, I was charged a {$12.00} fee even though {$1300.00} in electronic deposits was made. I called Chase Customer Service to complain and was told that the 2 deposits made by transferring funds from accounts I have with other banks were not electronic deposits. That obviously not true, these were electronic deposits. Hence I should not have been charged the {$12.00} fee.
Consumer complaint received 2021-03-17
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. (CA)

The creditors " XXXX XXXX '' and " XXXX  '' are reporting me late/charged off for XXXX. XXXX XXXX has been paid in full and was close in XXXX. XXXX has also been paid in full and closed on XXXX. A new chargeoff status or late should not be appearing for year XXXX. I have attached a pdf file to show the inaccuracies. Equifax appears to be the only agency to be reporting this error.
Consumer complaint received 2021-03-17
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: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management added a derogatory mark on my credit report per XXXX XXXX, upon further research, this is not my account and was transferred/ sold I am not responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Midland Credit Management has violated my rights as a consumer and Im requesting legal action to remove this account immediately. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DC)

We are looking to recast our mortgage. The mortgage loan is held by XXXX XXXX XXXX and serviced by Shellpoint Mortgage Servicing. We were asked by XXXX XXXX XXXX to contact Shellpoint directly. Shellpoint asked us to submit a request in writing asking to recast our mortgage. When we did so, they immediately wrote back saying : " This email is in response to your request to recast your loan. Shellpoint is servicing the loan on behalf of the current investor, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Please be advised XXXX XXXX XXXX does not participate in recasting. '' When we contacted XXXX XXXX XXXX again asking for a clarification -- as their website contains a lot of information on recasting. I spoke on the phone with XXXX XXXX an escalation case manager at XXXX XXXX XXXX who sent me back to Shellpoint. 

At this point, the two companies are sending us round in circles, pointing us back to the other person. It is completely unclear why the loan can not be recast and who is making the decision. The information on their websites ( both Shellpoint and XXXX XXXX XXXX ) is completely contradictory to what we have been told on the phone and via email.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (MI)

XXXX XXXX apx XXXX XXXX contacted call center. Talked to 3 employees of back card and told each of them of the 4 pending transactions that were fraudulent. 

XX/XX/21 XXXX boost mobile pending {$100.00} XX/XX/21 XXXX XXXX pending {$50.00} XX/XX//21 XXXX XXXX pending {$10.00} XX/XX/21 XXXX XXXX pending {$10.00} First employee could not start a Fraud claim. First employee could not answer my question to just reverse the charges. Second employee. Did not start a fraud claim. And could not reverse the charges. Second employee did notify me that there was other activity on my account but the funds were not there. Transferred me to a supervisor. 
Explained to the supervisor Of the four pending Charges. Also asking him to reverse the charges they did not belong to me. Put me on hold and was disconnected. 
Total Time one and a half hours. 

Approximately XXXX XXXX my account was closed. no card was ordered for me. 

XXXX XXXX XXXX XXXX  I filed a police report. 
XXXX XXXX XXXX XXXX Made several attempts to contact bank, all calls went to recording and then call ended XXXX XXXX. Contacted Social Security, They made contact with With agency to get a new card Sent to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, made several attempts to call bank received the same recording where the call would end. 

XXXX XXXX. Receive my new card to activate. New card entered into the phone customer service Now answers. Per Regulation E, Reported Fraud within 24 hours, bank did not-start a fraud claim until XXXX XXXX. As requested by bank to expedite, send fax per bank. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Faxed several times, no response. 

XXXX XXXX contacted bank gave me new fax number. 

XXXX XXXX XXXX XXXX, now 2 faxes attempting several times on automated re-fax. No response. 

XXXX XXXX received fraud claim in mail. 

XXXX XXXX. Three Separate faxes all went through including fraud claim, asking for an explanation of why claim was not started on XXXX XXXX. 

Today XXXX XXXX, 19 days after fraud still no provisional credit on my account. No call back or text sent from bank about fraud investigation.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (MI)

I need help.! I Have reached out to both parties and still no resolution. This company EXPERIAN is in clear violation of the law under 15 USC 1681b. For XXXX XXXX account # XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX account # XXXX. They have not done a full complete investigation regarding the above accounts like Ive ask! Failure to provide a proper investigation has caused myself and my family such stress and grief. Ive also filed a complaint with XXXX  as well
Consumer complaint received 2021-03-17
Product: Debt collection — I do not know
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: Essential Retrieval Group (WA)

My family members are receiving calls from XXXX XXXX at ERG trying to contact someone with a similar name to myself. The calls are from XXXX XXXX XXXX XXXX but asking to call XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XXXX XXXX Reported : XXXX XXXX, 2021 {$190.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contract exist ... account was settled with original creditor and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

This is the 2nd complaint I am having to file against the bureaus, the delay and lack of responses is not acceptable to someone like who is trying to obtain business credit and start a business! I originally started disputing the derogatory items on my credit on XX/XX/XXXX. I have received ONE response from the bureaus in the 10 months I have been attempting to repair my credit ; I submitted another dispute on XX/XX/XXXX and again on XX/XX/XXXX which also included at that time my FIRST complaint with the CFPB. However, after another dispute on XX/XX/XXXX and XX/XX/XXXX, I've yet again received NO responses or communication from the bureaus and am now filing my SECOND complaint due to the lack of responses and communications from the bureaus.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Our mortgage loan was XXXX XXXX to another XXXX effective the XXXX of XXXX, but before that happened, XXXX of the XXXX credit bureaus made a change to what it reported to our credit accounts, but the main problem is with Transunion to start. When trying to access our credit accounts, we were not able and when calling Transunion were told that we had to use " XXXX '' to log in, and was told it was the new XXXX account. But found out yesterday that I still had my previous credit accounts with adding the XXXX was us adding a third account. When calling in to Transunion on yesterday to once more clear things up, they gave a number to call twice ( not transfer ) where it appears they are more interested in getting your SS number, date of birth and email, because the results are always the same, we can not access our credit account until the dispute is over. This dispute is over makes no sense, because it is the first time any of the XXXX credit bureaus have blocked access to an account due to a dispute. In fact, when initially calling in they say clearly that the dispute should not block access. I've searched on " XXXX '' and have asked on a credit forum. Why is the adding process only applying to both my wife and I?
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (WI)

I was XXXX XXXX XXXX XXXX on XX/XX/2020. 
I had a u.s. bank reliacard, with approximately XXXX XXXX dollars on it at the time I was hospitalized on the above stated date. I was released a week later, only to suffer an XXXX XXXX  XXXX on XX/XX/2020 and emitted to inpatient care until early/mid XXXX. 
Around the XXXX I was XXXX from XXXX and discovered that my account was emptied ... And continuously used over the course of my hospital emittance without my approval. I immediately contacted U.S. BANK after reviewing several phone messages via text of possible account activity ... however ; I was in a very dire state. As I was confined to a hospital bed, unable to barely XXXX. I sent in all necessary articles of proof via fax to u.s. bank including admittance firms and dates, as well as went as far as to contact my local unemployment office to try and arrange a call to verify these charges and withdrawals to no avail. Over the course of time while I was admitted my account had accumulated an additional XXXX XXXX dollars as well, which me and a representative of u.s. bank went over detail for detail the day I found out which was XX/XX/2020 or XX/XX/2020. A complaint was filed, charges deemed fraud, and a new card was issued. The final total of fraud charges was about $ XXXX XXXX dollars gone!! And nobody willing to help!!
Consumer complaint received 2015-05-04
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC (FL)

I received a notice from Transworld Systems Inc. that threatens to report me to all national credit bureaus. It also gave me a phone number to call, which I called XXXX times. Each time I called I was placed on hold for several minutes and then the phone would just hang up. This is a very rude and deplorable way to conduct their business.
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (CA)

I moved out of an apartment in XX/XX/XXXX by ending a lease early under agreement with the leasing company ( XXXX XXXX at XXXX XXXX XXXX  XXXX ). At some point following my move out this company sent an amount owed ( {$2400.00} ) to a debt collector ( Hunter-Warfield ) in XX/XX/XXXX. Despite having all of my contact info, and me even reaching out to XXXX, I never received response, notice, or a bill for this amount in any form. The amount owed is now up to {$2500.00} some how. Hunter Warfield even called and harassed my parents for this money that they will not verify. 

I sent a letter to Hunter Warfield asking for verification of the debt and asked them over the phone when I was able to answer one of their calls. They received the letter and signed for it through usps certified mail on XX/XX/XXXX. I still have not received a response to this request ( its XX/XX/XXXX today ).
Consumer complaint received 2021-03-17
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. (CA)

I have a couple files along with incorrect names and address that are reporting on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX there is no amount that show. however it does not or ever belong to me, and reference to my affidavit the was signed and notarized and sent to the company for Validation of debt along with he affidavit. Which was not answering in proper form, and not answered to at all. would demand for deletion and removal for fraudulent reporting along with not properly notifying my request for Method of Verification Request from the CRA. 
XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$330.00} this is a Fraudulent reporting account that need to be removed
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I contacted Transunion to remove unauthorized hard inquiries on my credit report.They refused to allow me to dispute the two inquires that I did not authorize. I demanded I speak to a supervisor and was told that a supervisor was not available. I am wanting to get the inquiry 's that I did not give permission for to be removed immediately.