davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (RI)

My prior complaint was closed and was not resolved so I am filing another one. My prior complaints was COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Struggling to pay mortgage I just got 2 letters from Selene Finance mortgage company. One was dated XX/XX/XXXX and said that I am behind on my mortgage and to contact them for assistance. WHAT A JOKE!!! I also got a letter dated XX/XX/XXXX and this one notes that they got my documents on XXXX. If that is the case, why are they sending me another letter on XX/XX/XXXX telling me to contact them for help. HUH?? 

I was given 8 days to provide additional documentation. It sates in the letter that I should have my items back to them by the XXXX XXXX XXXX!! Today is the XXXX just got the letter in my mailbox today!!! When I attempted to phone them to discuss the matter there was no answer. The message said the office was closed and then proceeded to tell me the hours they were open. They state they are open until XXXX today I called at XXXX and they were closed! So, now I will not be able to speak to someone there until at least the XXXX of XXXX!!!! How am I supposed to gather the information by the XXXX when I didnt even get the letter until the XXXX? They also say I can make an appointment with my single point of contact, who they list as someone named, XXXX XXXX as that person. They only have one number listed for every single department!! Its the same XXXX number for everything! This company is predatory and is trying to take advantage of my situation! This is abhorrent and unacceptable. They also list items that I have sent them and the list is inaccurate and it states they are valid until an expiration date that doesnt exist. Why does this company pretend to be helping me??? They have been the worst to deal with and are not helpful at all.
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (VA)

I have filed numerous disputes with the credit bureaus about these collection accounts that are not mine. These companies keep hopping from credit bureaus to bureaus and reporting the informations that was already disputed and removed from the previous bureaus. Its already difficult enough as a identity theft victim but to constantly have to dispute the same information over and over is very unfair and difficult.
Consumer complaint received 2021-12-31
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: U.S. BANCORP (IL)

On XX/XX/2021 I ordered a TV online from XXXX. My US Bank XXXX XXXX credit card was immediately charged the full amount of {$1600.00} however I never received an order confirmation e-mail and after my purchase the TV was marked as out of stock. On XX/XX/XXXX and XX/XX/XXXX I called the phone number listed on XXXX website to inquire about my order. They use a call center and the call center employee could not tell me anything other than they would forward my request to the merchant. On XX/XX/XXXX I called a final time to tell them to cancel my order and refund me since I never received any communication from the merchant regarding my order. I told the call center that if the merchant did not call me back or refund me I would issue a chargeback which I did on XX/XX/XXXX. No communication was ever received from the merchant and I never received the TV. However, US Bank denied my dispute ( Case Number : XXXX ) because I did not show proof that I never received the TV and because I did not request a refund in writing, despite the fact that the merchant submitted an invoice as part of their reply to my dispute that shows the order was canceled on XX/XX/XXXX. I've spoken to multiple representatives at XXXX XXXX and they keep telling me to submit evidence that I don't have the TV despite me submitting the same evidence that the merchant submitted showing the TV order was canceled. The merchant XXXX has both the TV and my money, I do not want the TV anymore as I do not want to do business with this company, I just want my money back.
Consumer complaint received 2021-12-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I recently saw some judgement on a title search. This company ( Midland Funding ) has no rights to any debt ; since they've never been a creditor of any debt I have. I believe they are in violation of the Fair Credit Reporting Act. I never received proper notice ( process of service ) via certified mail, process server, or sheriff server. I contacted the court about this matter. They stated there isn't any ( proof of service ) on file. For this reason, we will be requesting that a judge accept a motion to vacate this illegally obtained judgement. Midland Funding is not the original debtholder ( creditor ). I'd like to know where Midland funding obtained this debt. I was never properly served with the debt. Therefore, I don't know what this judgment is for. I would like a full transaction history, charge offs from previous holders of this debt, payoffs, it seems a bit suspicious that somehow, they obtained whatever this debt is, and I receive no proof of it. I would like to request the court/judge vacate, dismiss this judgement and have the creditor start the process over and serve documents with ( proof of service ). I would like to know the original debt holder so I can speak with them directly and possibly settle, make arrangements to pay any debts, if it is actually proven to be my debt. Can the CFPB investigate Midland Funding, to make sure they are operating within the law ( with obtaining any charged off debts )? I have reached out to the attorneys for Midland Funding who are collecting on their behalf. I requested proof of the debt ( from the original creditor ). They have not provided this information to me.
Consumer complaint received 2021-12-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus, however, my requests for both the credit bureaus and the furnisher from XXXX XXXX have ignored proof. The credit bureaus have all returned a status of " Verified '' when I have disputed the account. How is this account being verified with Equifax, XXXX, and XXXX, when the company doesn't even respond to my verification requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to Equifax, XXXX, and XXXX to ask for the proof the company is providing as verification of the account. My requests were denied. I was advised by Equifax, XXXX, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Consumer complaint received 2022-12-01
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: Falls Collection Service Inc. (IL)

No consent is identity theft! I have never given this company consent to use, obtain or share my private medical information. According to 15 USC 1692c ( a ) Communication in connection with debt collection.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The privacy rule of XXXX and the XXXX act of XXXX also prohibits certain information ( XXXX XXXXXXXX XXXX ) from being shared without the consumers consent. My medical information is private information and should not be broadcasted on my consumer report or anywhere for that matter without my consent. 

I am demanding this company to remove this account from my consumer report immediately and to cease any further communication and collection efforts by/through all means except the United States Post Office . 

I will be filing complaints with my states attorney general office, the collection companys states attorney general office, the Federal Trade Commission as well as The Department of Health and Human Services. 

Should we not resolve this matter amicably, I wont hesitate to escalate this matter to the further extent possibly allowed by law.
Consumer complaint received 2021-12-31
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. (CA)

I have been a victim of identity theft for about 5 years now, my information was leaked during the Equifax breach. I have disputed the items that are fraudulent on my credit report 3 times with all 3 bureaus and they all do the same thing. They open a dispute and close it within a DAY! Sometimes its closed within the hour! They DO NOT INVESTIGATE! Investigations take time and require a human being look over the evidence, which has never happened in my case. I have sent in the identity theft reports, police reports, and recently their were 2 individuals arrested with my stolen information and items. I sent them this evidence as well and it has gone unrecognized. Its beyond frustrating! The items that need deleted from my report that have DESTROYED MY GOOD CREDIT, are XXXX, XXXXXXXX XXXX XXXX and XXXX. I will upload all the evidence on this complaint.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

I have another complaint filed with you against Citibank Wayfair credit card too!!!! They are STILL harassing me by phone and email!!!! I told them to " CEASE AND DESIST ''. Yet they continue to send me illegal emails saying they have updated my phone number as I asked, which I did NOT ask them to do, they are trying to trick me into responding to them!!!! Make them STOP CONTACTING ME NOW!!!!! They are breaking the FDCPA, sue them and shut them down!!!!! Enforce the laws!!!!! I have NEVER given them my authorization to contact me by email, and told them I did not want to be contacted by phone either, ONLY by MAIL!!! Now I am telling them to " CEASE AND DESIST ALL COMMUNICATIONS '', because they are obviously ignorant and do not respect boundaries!!!! Nor do they follow the laws!!!! Make them STOP!!!!!
Consumer complaint received 2021-12-31
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. (FL)

My credit repair company XXXX completed a credit repair on 4 accounts that were already closed accounts and showing as closed on Equifax credit report. 
The accounts were from the following creditors ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After the dispute was completed these accounts which were charged off and closed prior to the dispute are now all showing open. 
This change from closed to open devastated my credit scores and resulted in me not being able to purchase a home due to Equifax reporting. 

I attempted to contact equifax to inform them that their report is now showing charged off accounts as now open and this needed to be fixed. 

Equifax was very difficult to get in touch with and I was hung up on by many representatives in getting this issue resolved ( believe due to poorly trained associates ). 

I explained to the supervisors on XXXX and XX/XX/2021 that I couldnt understand how is it possible for all 4 creditors to all of sudden update all of these previously closed and charged off accounts to open status.? 
However, all of the representatives at Equifax insisted I had to open another dispute with all 4 creditors to update the account statuses back to closed. 

I also spoke with a manager at Equifax on XX/XX/2021 and asked if they could assist me in calling the creditors to validate the accounts as being closed but they refused to assist in this way and they informed me that Ill have to wait until the dispute resolve which could take up to 30 days. 

I also contacted all 4 creditors and they informed me that they were reporting the accounts as charged off and/or closed and that I needed to speak with Equifax. 

As a consumer, it is very frustrating and detrimental to my financial future when creditors and credit bureaus dont reflect accurate information and the consumer is caught in the middle with delays after delays and more delays. 

I am also considering legal action against Equifax for this issue. 

I also advised Equifax that XXXX Equifax data was accurately showing these 4 accounts on XX/XX/2021 as closed, so why is XXXX correct but not Equifax???
Consumer complaint received 2021-12-31
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. (WA)

Below its a copy of the Offer rejected notice given to " XXXX XXXX XXXXXXXX ''. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Rejection of credit was based on credit score that has nothing to do with the type of credit transaction or contract agreed upon both partied where a third part, such as the use of Experian was used upon discrimination and conspiracy against the beneficiary also known as the consumer. XXXX on behalf of XXXX XXXX XXXX XXXX has committed several violations as explained below. 

OFFER REJECTED NOTICE ATTN : XXXX, XXXX XXXX XXXX, UT c/o XXXX XXXX XXXX  XXXX XXXX 
Application means : A request, petition or motion in blacks law 11th edition. 
Means the act of asking for something, usually in writing, or a document in which someone asks for something, in barrons dictionary of banking This correspondence is in regard to the application submitted on XX/XX/2021. Which an adverse action letter was received on XX/XX/2021. The adverse action offer is here by rejected, credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 17 C.F.R 240.106-5 ( 15 U.S.C. 78j ), 38 C.F.R 21.5828 ( 15 U.S.C 78ff ) ,13 C.F.R 113.3 ( 15 U.S.C 1691 ( a ) ( 3 ) ), 18 U.S.C. 241, 18 U.S.C. 242. 
Reconsideration : Open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with maximum allowable by the applicable law ( 15 U.S.C. 1602 ( j ) ). Balance will be zeroed on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ). 
Final offer non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under regulation z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) calendar/business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* This is your opportunity to cure as well as your notice of default for the servicing of the credit application. 
You meaning XXXX, XXXX XXXX XXXX, UT c/o XXXXXXXX XXXX  XXXX XXXX XXXX 
and any of its agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply may result in billing. 
Legal proceedings may be enacted if dishonored. 
Notice to agent is notice to principal Notice to principal is notice to agent By Accommodation : XXXX
Consumer complaint received 2022-12-01
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: World Acceptance Corporation (TN)

World Finance Corp. Reporting inaccurate information. Duplicate account information, different opening dates. I am a victim of Identity Theft World Finance Corp, need to REMOVE FRAUDULENT INFORMATION ASAP. Here is a copy of the Police Report Requested. Please remove within 5 business days of this complaint date. Also, All three credit bureaus XXXX, XXXX, & XXXX- Please remove asap. 

WORLD FINANCE COXXXX XXXX XXXX Account Status Closed Account Dates Date Opened XX/XX/XXXX Account name WORLD FINANCE CORPORAT IDENTITY THEFT / FRAUD ACCOUNT Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XXXX XXXX Balance {$490.00} Balance updated XXXX XXXX, XXXX Original amount $ 316 Monthly payment- Past due amount {$490.00} Account name WORLD FINANCE Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed I am attaching FTC Report, Police Report, Driver 's license
Consumer complaint received 2021-12-31
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-12-01
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: AMERICAN EXPRESS COMPANY (NJ)

I have been charged {$160.00} for an item that was refunded. AMEX Reward points were originally charged along with my AMEX card ( appears to be a double charge ). Then when I informed AMEX Rewards that the order for the item was cancelled and thus I should have gotten the points back ( 1/2 the problem ), AMEX charged me again for the same item. Just when I thought that I had an adjusted amount to pay them, they XXXX  my account up again. They are still showing that I owe them {$490.00} which includes a double charge of {$160.00}. Thus I believe that I owe them $ XXXX ( XXXX ) {$160.00} charges equal to {$160.00}. They are taking their time resolving this I believe so that they can then charge me interest. I always pay on time. This needs to be resolved immediately.
Consumer complaint received 2021-12-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The account is inaccurate and has not be Verify, Theres is no legal sign contract by me and company has fail to provide proof of me owning this debt and it needs to be removed
Consumer complaint received 2021-12-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Skopos Financial, LLC (NM)

Skopos Financial Recently lost a law suit and a major case against illegal and unfair loan practices. I was included in the law suit. They had to pay me all of my monies back. This issue is they also agreed to remove the negative reports from my credit and they have not removed it from all the reporting agencies. I have written them several times for the inquires to be removed.
Consumer complaint received 2021-12-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I need these items removed from my credit report. On XX/XX/2021 I sent a notarized identity theft affidavit, and police report to the creditor, and items have not been removed from my credit report
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.