davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (PA)

I was the victim of identity theft and discovered a fraudulent XXXX   account that had been opened up in my name with my social security number on XX/XX/XXXX. The account had an outstanding balance of {$970.00} that was reporting on my credit reports. I called all of the credit bureaus and ultimate had the account successfully removed from all three of my credit reports. When I called XXXX about the account they told me it had already gone into collection and that it had been sold to EOS CCA, a debt collection agency and that I should call them to file a dispute on the account. I called EOS CCA on XX/XX/XXXX at XXXX to file my dispute. In order to file my dispute I had to give them all of my personal information in order to file my dispute. They originally only had my name and social security number with an address that was not mine and no phone number. I had to give them my billing address and personal phone number in order to file my dispute. They said they would be sending me a " fraud package '' with more information with the information I would need to send them to help with their investigation. I still to date, as ofXX/XX/XXXX, have received not " fraud package. '' However, I have recieved several phone calls and a bill in the mail for {$970.00}, telling me that I owe this on an account. There is no mention of the dispute I filed, and they never had my billing address until AFTER I filed a dispute with them, but instead of sending me a fraud package they went ahead and just started billing me for an account that was reported to them as fraudulent. When I called EOS CCA after receiving a bill in the mail on XX/XX/XXXX the customer service representative, by the name of XXXX, told me that they had not processed my dispute correctly, yet somehow they managed to update the account info with my personal information so they could try an collect on a debt that I never incurred. This is criminal.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX Tuesday, XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Notice of Dispute Regarding Inaccurate Information on Consumer Reports Dear Sir/Madam, I am writing to dispute certain information contained in my consumer reports, as furnished by Equifax Information Services LLC XXXX XXXX XXXX XXXX and XXXX. I believe that the information on my reports is inaccurate and is negatively impacting my creditworthiness. This letter serves as a formal notice of dispute and a request for investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
I have enclosed copies of my consumer reports from each of the aforementioned credit reporting agencies for your reference. The inaccuracies I wish to dispute are attached addressing each CRA I hereby request that Equifax, XXXX, and XXXX conduct a thorough investigation into the disputed information. As per the FCRA, I expect a reasonable investigation to be carried out, with a response provided to me within 30 days of receipt of this letter. I kindly request that all three credit reporting agencies work together to ensure the accuracy of my consumer reports. 
Additionally, I request that Equifax, XXXX, and XXXX provide me with written notifications of the investigation results and any corrections made to my consumer reports. If any changes are made, I further request that updated and accurate consumer reports be furnished to me without delay. 
In accordance with my rights under the FCRA, I also request that Equifax, XXXX, and XXXX provide me with free copies of my consumer reports within 15 days of the completion of the investigation, if changes are made. 
Furthermore, I request that all three credit reporting agencies implement reasonable procedures to prevent the re-reporting of the disputed information in the future. 
Please note that this dispute pertains solely to the inaccurate information described above. I am not disputing any other information contained in my consumer reports at this time. 
I appreciate your attention to this matter and your adherence to the provisions of the FCRA. Please provide me with written confirmation of receipt of this notice within 10 days of receipt. I trust that Equifax, XXXX, and XXXX will handle this dispute and investigation with the utmost professionalism and resolve it in a timely manner. 
Thank you for your prompt assistance in resolving this dispute. 
Yours sincerely, XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (FL)

I am writing to express my deep concern regarding several disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-07-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OR)

In XXXX of XXXX the XXXX household contracted XXXX. During this time XXXX and XXXX reached out to their bank ( XXXX ) to ask for XXXX assistance. XXXX immediately agreed and said it was taken care of. Unfortunately they mistakenly deferred their HELOC. When this error was discovered XXXX bank assured the Schmidhamers they would fix the mistake and defer the missed mortgage payments due to covid. Unfortunately many more errors followed and right before they were told it was all going to be fixed soon the loan was transferred to Mr.Cooper. The XXXX  then restarted the entire process for Covid relief with Mr.Cooper. Unfortunately the process lasted much longer than anticipated and ultimately it was mistakenly denied when Mr.Cooper requested a quarterly profit and loss statement for a business. The XXXX  do NOT own a business of any kind. Even though XXXX called on several occasions to address the issue and continued to provide months of paystubs by her employer and tax returns Mr.Cooper denied the claim because a document that does not exist wasnt provided. After this unfortunate event the Schmidhamers restarted the entire process over and were reassured again that everything would be fixed and not to worry. On XX/XX/XXXX the family received the news they had been waiting for. A letter saying congratulations and explaining the past due loan amount would be deferred and be due at the end of term with regular mortgage payments restarting on the date of XX/XX/XXXX. XXXX called Mr.Cooper to verify the letter and again had the long awaited good news confirmed. XXXX called again a week or so after to ask if the mortgage payments would be auto deducted and was told just to call on XX/XX/XXXX to make the payment. Unfortunately this was all later found to be completely untrue and the Schmidhamers learned that not only was nothing resolved but they would again have to restart the entire process. Mr.Cooper informed them that they missed the deadline to complete the paperwork for the USDA Covid relief they previously stated the Schmidhamers were approved for.
Consumer complaint received 2023-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

My divorce was just recently final and I was in a very toxic, XXXX marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Consumer complaint received 2023-07-11
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENTAGON FEDERAL CREDIT UNION (HI)

On XX/XX/XXXX, new $ XXXX HELOC with Pentagon Federal Credit Union, first lien on XXXX XXXX. HELOC rate 9.5 %, later refinanced with new 2 % first mortgage loan subject to full HELOC payoff with release. Gave PFCU written instructions to close and release HELOC. PFCUs payoff amount included {$28.00} fee to record lien release. On XX/XX/XXXX, On XX/XX/XXXX, new first mortgage loan close and loan proceeds paid out of escrow paid HELOC debt paid in full. Later learned the line was not closed, HELOC lien not released. Lawsuit pending in XXXX Hawaii between our first mortgage lender and PFCU ( Action ) over whose lien has priority. After closing, needed cash to save my other properties. Later learned PFCU line never closed. I drew funds as needed, made regular monthly payments. In XX/XX/XXXX, paid off $ XXXX balance in full. Eventually was unable to make payments. On XX/XX/XXXX, XXXX sent us its notice of the acceleration of our debt, but we was never sued. We were in contact with PFCU up to XX/XX/XXXX. Just learned on XX/XX/XXXX, PFCU filed a new claim in the Action against us on the credit line debt of {$200000.00} plus {$100000.00} in interest. We have not been served with PFCU 's debt collection claim filed in the Action. We received no prior notice we were being sued and that we can dispute the debt. It has been 13 years since PFCU accelerated the debt. PFCU is trying to collect a time barred debt. We are very stressed.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I sent the email on XX/XX/XXXX after I requested to email confirmation they received the payment {$160.00} on XX/XX/XXXX To : XXXX Cc : grace XXXX XXXX Subject : RE : [ XXXX ] XXXX : Confirmation and Receipt of your recent ACH Authorization To whom it concerns, I consistently paid on time until the " Today card '' company merged with XXXX XXXX. Unable to pay online, I provided my bank information over the phone to pay the minimum for XXXX. They promised to mail me the new card for registration on the XXXX XXXX website. Despite having XXXX existing XXXX XXXX credit cards, registering the Today card yielded no visible information upon login. Despite requesting statements, none arrived, and the new Today card never came. 
My credit report now falsely indicates a XXXX past-due status. After multiple calls, I paid {$33.00} on XX/XX/XXXX, following the automated phone system 's balance prompt. Subsequently, customer service demanded {$160.00}, which seemed erroneous. To safeguard my credit, I paid the disputed amount on XX/XX/XXXX. Despite a lengthy call in XXXX, customer service claimed no record. They said will mail the new card to me every time, but I received the letter said unable to send me a new card due to the current status on XX/XX/XXXX. 
Please see attached bank records : XXXX. XX/XX/XXXX, paid by phone with agent {$30.00} XXXX. XX/XX/XXXX, paid by phone with agent {$80.00} XXXX. XXXX XXXX XX/XX/XXXX paid by phone with phone system {$33.00} XXXX. XXXX XX/XX/XXXX paid by phone with agent {$160.00} Please correct my credit, thank you. 

XXXX XXXX XXXX XXXX To : XXXX Cc : grace XXXX XXXX Subject : RE : [ XXXX ] XXXX : Confirmation and Receipt of your recent ACH Authorization To whom it concerns, I consistently paid on time until the " Today card '' company merged with XXXX XXXX. Unable to pay online, I provided my bank information over the phone to pay the minimum for XXXX. They promised to mail me the new card for registration on the XXXX XXXX website. Despite having XXXX existing XXXX XXXX credit cards, registering the Today card yielded no visible information upon login. Despite requesting statements, none arrived, and the new Today card never came. 
My credit report now falsely indicates a XXXX past-due status. After multiple calls, I paid {$33.00} on XX/XX/XXXX, following the automated phone system 's balance prompt. Subsequently, customer service demanded {$160.00}, which seemed erroneous. To safeguard my credit, I paid the disputed amount on XX/XX/XXXX. Despite a lengthy call in XXXX, customer service claimed no record. 
Please see attached bank records : XXXX. XX/XX/XXXX, paid by phone with agent {$30.00} XXXX. XX/XX/XXXX, paid by phone with agent {$80.00} XXXX. XXXX XXXX XX/XX/XXXX paid by phone with phone system {$33.00} XXXX. XXXX XX/XX/XXXX paid by phone with agent {$160.00} Please correct my credit, thank you. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I just checked again my XXXX, Experian and XXXX credit reports and I can see accounts reporting inaccurately. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

Hi I purchased a furniture from XXXX through synchrony bank credit. The 1st transaction was on XX/XX/2022, for $ XXXX XXXX one was on XX/XX/2022 for {$1300.00}. When we signed the papers the manager explained to us that we get 1 year to pay with no interest. After the one year we will be charged a monthly interest like every other credit card and said sign here. We paid $ XXXX  monthly payment every month on time through the Auto payment. By the month of XXXX I had a remaining balance of {$2400.00} and thats when I traveled out of the states. While my trip, there app stopped working and I wasnt able to check anything but I knew That I was enrolled in Auto pay. After I came back I checked and my balance went up to {$4100.00}. I have to charges of interest, one for $ XXXX the second one for {$570.00}. I called synchrony customer service and they said that it was said on the fine print that if I dont pay the full amount by the year it will charge me interest for the full balance even for the payments that I already paid. And he also said that my account is closed for no reason. 
I tried with them to take off the interest and i will pay the full remaining balance in full but they refused. I spoke to a manager and I explained that I was traveling and the app was not working and no one explained this at the beginning. They just told me to sign at the bottom and explained what I mentioned up on this letter. But the manager said that they can only take off the {$530.00} but the {$1100.00} I have to pay it. And he said that I will also still getting charged an interest monthly!!!!! I never seen something like that all my life. A month after I purchased, I referred my friend to them and she purchased for {$25000.00}. And after that the customer service representative and manager have a very bad attitude. And this way my balance will never end. Please help me this is the first time I use ur services. 
Thank you
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc. (CA)

After verifying if your company is licensed in the State of California as a collection agency, XXXX XXXX XXXX XXXX Credit Management LLP is not licensed in California, and I have already paid this account in full. Therefore, I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends. You are hereby notified that if you do not comply with this request on the day, you receive this letter, I will be immediate file a complaint with the Federal Trade Commission and the Texas Attorney Generals office and other appropriate regulatory bodies. Civil claims may be pursued. Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this. You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action. Thank you for your cooperation in this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I've consistently ensured that payments on this account are made on time, avoiding any overdue payments. However, I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Someone has obtained enough PPI to apply at both Bank of America and XXXX XXXX bank for credit cards that are fraud attempts and the process of issuing does not stop once I report it to the bank. Also the hard inquiries have caused my credit score to fall and today, I received a letter from BoA again asking me to verify my identify to issue a asks XXXX XXXX XXXX card that I did not apply for. 

XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXXXXXX 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 XXXXXX/XX/XXXX