davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (GA)

I was denied credit due to negative marks on my credit report. 
In XX/XX/2022 I submitted an online request to Equifax in order to review my credit report for inaccuracies. 
I was denied access to my online credit file by Equifax. 
I then called the customer support line, and after a verification process I was told that I would receive a copy of my report in the mail. 
I never received the credit report. Instead, I received a letter instructing me to send copies of my identification to verify my identity again. 
I mailed the proper information to Equifax, and received another letter asking for the same information again. 
I have sent multiple copies of my personal documents to verify my identity and Equifax has ignored my requests.
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX XXXX. They repeatedly use fake numbers all the time. I've haven't spoke to them because I went the debt to fall off. I have blocked them everything they call..
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SET Financial Corporation (MO)

I recently checked my credit profile and realized there are some accounts that I am unfamiliar with and alot of accounts that are reporting incorrect information. I have never gave written consent or permission to report to my credit profile and I have contacted the credit companies and the credit bureaus to seek the documentation that shows I gave them permission to report to my consumer profile. By law that is Aggravated Identity Theft 18 U.S. Code 1028A These companies are also reporting inaccurate information across all 3 bureaus. Dates opened, dates closed, and other things are not the same dates or numbers across all three credit bureaus.
Consumer complaint received 2024-03-21
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)

In accoradance 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 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 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.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

THIS IS IDENTITY THEFT MY SOCIAL PASSPORT AND BIRTH CERTIFICATE WAS STOLEN In accordance with thee 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-03-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of Jamestown, Inc. (NY)

I have attempted to dispute the collection status of 3 separate amounts through the credit Bureaus on multiple occasions. With request for validation of debt. 
My dispute was in relation to first never receiving any communication from the 1st creditor XXXX XXXX XXXX. After having no prior knowledge of any amounts owed or bills sent to my address or anywhere that I could be made aware these 3 separate amounts/accounts ended up on my credit report in collection. 
When I first noticed them i disputed them through the credit bureaus and requested a validation of Debt, this was never supplied, XXXX removed the items from my report, XXXX and XXXX have not done so and after repeated disputes with them they began to what felt like just immediately close the dispute. 
I have yet to receive any notices- rights to dispute or debt validation letters, or even bills from XXXX or the debt collector and never received notification that I owed any amount to well now, after repeated attempts of disputing I gave up a friend suggested complaining here,
Consumer complaint received 2023-09-17
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment..

Account Information XXXX. XXXX XXXX XXXX XXXX. Acct # XXXX XXXX. Date Opened XX/XX/XXXX XXXX. Months showing XXXX XX/XX/XXXX & XX/XX/XXXX.
Consumer complaint received 2023-02-09
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. (NC)

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX ACCOUNT # XXXX Treatment of inaccurate or unverifiable information. 
If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting. 

Promptly delete that item of the information from the file of the consumer, or modify the that item of information, as appropriate based on the results of the reinvestigation.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX 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 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Applied Data Finance, LLC (VA)

I contacted the company back in XXXX & discuss the problem of why I was late on my payments I was out of work so later so back in XXXX when I talked to someone he said I may qualify for a payoff so I got the email in XXXX of the amount of what I had to pay I pay the amount that they ask I call them & ask them why am I still getting emails 3 weeks later of the balance I was told it takes time 7 the computer was sending the automated emails out the reason why reaching out to you is because they put it on my credit report as late payments it's like they didn't listen to me paid them what they ask weeks ago & they still reported to XXXX they told me its nothing they can do its aready been send they can't reverse it I was told to dispute it.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-10-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have a home equity loan that reset to more than double the initial payment. The loan has a variable rate and keeps rising as the Fed razes rates. This loan has all the ear-marks of a predator loan. 

The lender, Bank of America, is not consistent in mailing monthly invoice. I call asking for an invoice to be mailed to me and I am told it is a courtesy.

How do I determine what to pay each money?

I tried applying for a loan modification a couple of years ago. I was assigned a case manager, Mr. XXXX XXXX. He was as Not, very courteous with me badgering me, curt in his replies and not even keeping our phone appointments to keep me apprised of the progress. 

Finally, I was fat out denied the modification. 

Recently, I received notification of a due date change to he XXXX from the XXXX. See the last invoice I got and the change letter. 

I am struggling now and have to wait til I receive retirement benefits to make the payment which is already late. 

How can they change the due date we have already agreed to and implemented for several months???
Consumer complaint received 2023-02-09
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. (WV)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Consumer complaint received 2018-10-28
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: Franklin Collection Service, Inc. (CA)

I logged into my XXXX account this morning XX/XX/2018 and discovered that a company called " FRANKLIN COLLECTION SV '' was repeatedly flagging my account for the balance of {$58.00}, once on XX/XX/2018 and again on XX/XX/2018. I have never heard of this company, nor ever received any calls from their phone number XXXX. Under " Original Creditor '' they had put " XXXX XXXX, '' which I am assuming is XXXX XXXX XXXX. I have already disputed another fraudulent credit company for a false bill " from XXXX XXXX XXXX '' and have proof that they are charging the wrong person/falsely charging me because they have my information.
Consumer complaint received 2018-10-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (IN)

I have been battling my mortgage company ( XXXX XXXX ) for almost two years now. Last year they assessed fees on my account for what they claimed to be related to them having contractors perform maintenance on the residence. We were in the process on doing construction on the property when they came out and changed the locks. One day we came home and actually found people in the home who claimed to have been sent by the mortgage company. We called the police and filed a report and the men in the home were ordered to leave. Afterwards we called the mortgage company to find out exactly what was going on and they thought the home was vacant and that we needed to provide utility bills to show that we were still living in the residence ( which we did ). Shortly afterwards we starting noticing that our monthly statement included misc fees that no one could explain to us. I called several times and spoke to several people over several months, but never got any resolution. The mortgage company claimed that the fees were from their contractors coming out and doing repairs to the property and maintenance. This was a totally fabricated story because we paid to have repairs done to the property and lawn maintained ( which can be proven with receipts from the service providers ). As of today 's date they are threatening foreclosure, not due to the fact that we haven't paid but because of their wrongful fees that they've assessed to the account. I would like to keep the home that I've owned for over 10 years now and need some help fighting this company.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION (NY)

This loan was paid in full and still impacting my credit negatively and I have asked multiple multiple times for it to be removed and its never removed from XXXX, XXXX XXXX and XXXX
Consumer complaint received 2023-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (LA)

On XX/XX/ my Venmo account was frozen at XXXX central time us. I had received a payment from a friend at XXXX in the amount of {$620.00}. In the email stating my account was frozen Venmo asked that I upload a picture of my drivers license via a link in the email. I immediately complied. Note, I have already verified my id with Venmo at least 3 times in 3 months prior to account freeze on XX/XX/. After I uploaded my drivers license I spoke to customer service and was asked to upload my license again with a selfie of me with license by my face for further verification. I complied. Later on XXXX I was told that my account was still frozen and could take a minimum of 7-10 business days to potentially be unlocked. Ive called and chatted with Venmo at least 15 times since XXXX and keep getting the same answer. They cant tell me why account is frozen, that it will or could be frozen up to 7-10 business days as well as a n account specialist would be in touch on next steps. They did confirm they have all the documents needed and that my id is verified but that I still need to wait for account specialist to review my case. This has put me in an extremely precarious financial situation as I was released from the hospital on XXXX and the {$620.00} in funds frozen in Venmo are all I have. I simply want access to my funds and then to close the account.
Consumer complaint received 2024-03-22
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (MD)

On XX/XX/XXXX, I received {$2500.00} and was led to believe that I only needed to repay {$2700.00} in XXXX  months when I spoke to the rep. I did not realize that they take payments at a usury interest as they were going to take {$460.00} every XXXX weeks for XXXX  months. After I made XXXX payments, I asked what was the repayment amount. They said at least {$5600.00} cash which is over 100 %. Then they came down {$4000.00}. But did not take into account the {$1500.00} I already paid. If I had known they operated this way, I never would have taken the loan.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

I am writing regarding the collection account that appears on my credit report. I recently became aware of this account listed on my credit report, and I am requesting validation. The account is listed below : LVNV FUNDING LLC Original Creditor Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$920.00}
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (VA)

To dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-12-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates has transferred an alleged debt to a litigation attorney despite my initial requests to cease phone calls to me and submit all documents to me via mail. I have also requested in writing that Portfolio validate the debt they allege that is owed to them via the attached letter to which I have never received any response with the requested documents and information. Although they have a pending case open, I still have not received any information validating the debt and the right to collect such debt. In my letter I also requested pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g that I dispute the validity of this debt and request that Portfolio provide me with the following information : 1. Verification of the Debt : - Please provide detailed documentation verifying the legitimacy of the debt, including the full account balance, the original creditor, and the nature of the debt.

2. Proof of Assignment : - Provide evidence demonstrating that Portfolio Recovery Associates LLC has the legal right to collect on this debt, including any agreements or contracts between your agency and the original creditor authorizing such collection efforts.

3. Complete Payment History : - If applicable, please provide a complete payment history for this alleged debt, including any interest or fees that have accrued. 

4. Proof of License and Bond : - Confirm that Portfolio Recovery Associates LLC is duly licensed and bonded to collect debts in my state, and provide relevant documentation. I never received response and never received a notification or update to my credit report that the account was in dispute as I should have per FCRA Section 623. What I did receive was a notice that the account was transferred to litigation department and offers to settle. I can not offer to settle a debt that I have not confirmed is owed.