davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (TX)

I notified Equifax that the account XXXX is reporting without the name of the creditor and they failed to remove this account or explain how this was verified. Furthermore, you failed to notate this account was in dispute within 30 days now this account in violation. Per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), you failed to provide me with the names and business addresses of each individual who verified the aforementioned item. XXXX and XXXX deleted this unverified account. Please see the attached credit report which shows that there is no creditor and no notation of a dispute and remove the account XXXX from my credit report.
Consumer complaint received 2024-04-09
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. (IN)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with 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
Consumer complaint received 2024-05-23
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. (MI)

This is my 3rd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI, XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$160.00} XXXXXXXX XXXX XXXX XXXX Balance : {$900.00} Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Docket Identifier : XXXX Date Filed : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NV)

Get these perjurous panhandling frauds out of my inboxes. 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  All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

It's my understanding that FCRA 605B obliges us to expunge any erroneous accounts from my credit report. Could you please examine the documents? There seem to be inaccuracies in some listed accounts regarding reporting, with discrepancies in amounts and dates.
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (MI)

The original issuer could not provide a reason for the charge in writing, which, according to the Federal Trade Commission 's website is required.I have now filed an identity theft report with IdentityTheft .gov and informed the debt collection company of this and they are still contacting me with hang up calls and letters indicating they are unable to validate my claim. I have sent them, and they did receive, a validation form in which I have declared that I do not owe the amount in question.
Consumer complaint received 2023-10-05
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. (LA)

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 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 2023-09-16
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: ADIR INTERNATIONAL LLC (CA)

I have been asking for 3 months that they inform me about the interest that is associated with my card because I believe that they exceed the limit in California, they have never responded to me and I also feel that they have retaliated against me because I had a higher credit limit and they They have reduced it, directly affecting my credit score, it is too much of a coincidence that my credit limit is reduced just when I start my application.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (HI)

XXXX I started getting pre approval letters for loans and credit cards at the time late XXXX I maybe applied for 4 credit cards and 2 loans then took a break due to no getting the guaranteed approval!

But they kept sending the XXXX or posting them on my credit karma account by XXXX I could really have used just one of the offers but instead my score dropped even more. My family and I all use credit karma so its even worse because it was like they just sunk hole ship. Seeing my family and I losing cars houses the cloths on our backs horrible to find out its always been a scam a lie theft of my life!! My familys lifes XXXX animals elderly!!! Physically hurt my family from stress XXXX, XXXX pain, lack of food shelter. My parents cant even look at their own credit anymore.
Consumer complaint received 2024-04-09
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. (GA)

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from XXXX XXXX XXXX XXXX  has been listed on my report without my authorization, and upon reviewing the matter, I believe that XXXX has not adequately investigated this inquiry. 
I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: OKCoin USA Inc. (NE)

I made a {$2000.00} purchase of XXXX on their exchange on XX/XX/XXXX. They funds were deducted from my debit card but they didnt send my crypto. They told me the transaction failed and I provided evidence from my bank it did not via email to several support members. They then followed up telling me I would be refunded in 3-5 days. How could I be refunded if you never received money? Anyways, they havent responded to my emails in 2 days following up on this its now going on day 5 and my bank says they dont see theyre lifting the hold till XX/XX/XXXX. So they stole my money and then afterwards deleted my account. They are frauds.
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (TX)

In XX/XX/XXXX I noticed a credit card listed on my XXXX credit report from XXXX XXXX The credit card has a {$4000.00} credit limit, was opened in XX/XX/XXXX. It was then closed in XX/XX/XXXX with an outstanding balance of {$2500.00}. 

I notified XXXX XXXX XXXX and they were to investigate this matter. As of today 's complaint, this account is still on my credit file with reporting of 2 late payments on my credit file. This fraudulent account has also caused my credit score to decline significantly. Futhermore, this account is only reporting on XXXX and not the XXXX other credit reporting agencies- XXXX XXXX XXXX.
Consumer complaint received 2023-08-06
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: EQUIFAX, INC. (AZ)

The issue is with XXXXXXXX XXXX XXXXXXXX reporting me in error XXXX days late. When in fact I made all the payments they requested. 

During the XXXX XXXX pandemic I chose to put my mortgage in forbearance since non of knew what the future would be. It was my understanding that the mortgage would be put on hold and when things were back to normal, they would put the loan obligations on the back end of the mortgage afterwards I would resume regular payments. Or find some other arrangement. 

I called XXXXXXXX XXXX  They where not very helpful or did not know what to do. I was told to go on line and fill out a form to get out of forbearance in order to renew my mortgage.I tried to explain to them that all I wanted was to put the missed forbearance payments at the end of my mortgage and start making my regular payment., I was told a gain to go online which I did. 
They then told me me to make payments of {$1000.00}, which i did. It is a little less than my usual payment of {$1200.00}. It is a couple XXXX less than my normal payment which I offered to pay. I nor the XXXX person seemed to understand. I thought it my have something to do with my escrow account ( taxes an insurance ) Thats fine and dandy, I make ALL of the payment on time every time as I have for 30 years without missing a mortgage payment. 

I have a copy of my check registry to show I faithfully made the payments. ON TIME! 

This issue is really messing up my life. My credit score dropped substantially preventing me from getting favorable rates on a HELOC or restructuring my credit cards, as the balance has increased due to poor cash flow from XXXX XXXX. 

I just dont see where I went wrong. I followed their instructions to a XXXX XXXX  thought we could put our mortgages in forbearance without penalties or consequences. Doesnt the CARES act protect me from not suffering harm to my credit rating during the period that I received the accommodation?? 

I did as I was told and and made the payments for a lesser amount for 3 months, even though I had No problem making my payment for the original amount. 

I have copies of the debit transactions showing I made ALL payments on time.
Consumer complaint received 2023-01-22
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

XXXX and later PHH, stalled my progress in selling my late mother 's property in many ways and they took money. First, by stating that they did not receive the forms proving that I was the executor of the estate. I had sent in the documents to the company the day after probate court granted me full executorship. They kept telling me that they had not received the forms for about three months, even though I had submitted them the form multiple times. They finally admitted that they had it in their files since my first submission. 

Secondly, my whole experience in dealing with these companies was filled of long phone holds. They also would hang up on me. They provided no support and stopped me from completing the necessary actions that they required of me. At some point, PHH lied to me stating that they had sold my case. They stated that both on the phone and through mail. However, within a month of me asking questions, they acted like they never made that statement. 

Third, they jacked up the prices of reverse mortgage tremendously after my mother had passed Looking back in our files, I noticed that " Original Line-of-Credit Reserve '' that has the amount of {$15000.00}. XXXX and " +Growth of Line-of-Credit '' that has the amount {$13000.00} only appears on the XXXX  Monthly Reverse Mortgage Statement. I want to bring in to question why and gain an explanation. They also added " Current Principal Limit to the Mortgage Statements around XXXX. All these changes have not been explained. I suspect that the jack up in price is from the company spending money. 

Fourth, they kept checking on me to see if I still lived there on the property even though they knew I was in the middle of probate, selling the house, and they could just call my phone. They stated that they did these unnecessary check-ins 8 times and each time cost me {$20.00}. 

Fifth, then the appraiser that the company provided to look over the property, looked over the wrong flat map of the house across the street. Resulting in the wrong price to the house. I should not pay for the appraisal. The appraisal cost about {$700.00}. 

Sixth, they added " Corporate Advance '' and " Outstanding Fees '' for me to pay. It added up to about {$8000.00}
Consumer complaint received 2018-05-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (AZ)

i got this divorce- and my name is on the title or deed but not the loan- i was awarded the home- and now all i am trying to do is- utilize the successor in interest due to divorce- however they will not let me do anything- they wont talk to me- the house was going into foreclosure- and i had to file a chapter XXXX to stop the foreclosure- now the borrower who is a veteran who has some serious XXXX XXXX XXXX issues- has purposely tried to foreclose on the property by engaging in a number of distributing tactics- he is obviously under some type of undue influence. he abandoned the property 3 years ago- and i maintained the property- until- he started with the help of bankruptcy and divorce attorneys- placing the housing in an unneeded chapter XXXX 3 years ago- when i was paying he note. all i want is to be able to secure a loan modification through my chapter XXXX and move on- and refinance- giving him any moneys that may be due him- however i dont think he is deserving-but i will let the court decide this.
Consumer complaint received 2023-08-06
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. (NY)

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 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. 16815-2 ( AN1 ) 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-25
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. (VA)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2023-07-01
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. (SC)

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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 2023-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WESTSTAR MORTGAGE CORPORATION (GA)

I have a mortgage held by Weststar. I have attempted to make my monthly payment in their online system, but receive the error : 403 - Forbidden : Access is denied. 
You do not have permission to view this directory or page using the credentials that you supplied. 

I have called Weststar. They do not answer their phones and have ended the call before I'm able to speak to anyone. I have submitted a request to their customer service form, but have not received a response. I have tried to leave a voicemail, but the mailbox is full.
Consumer complaint received 2023-08-06
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: EQUIFAX, INC. (PA)

Incorrect information on payments made in XX/XX/2021. Payments were made before XXXX  days late and information doesnt match on all XXXX bureaus. Creditor removed/deleted entire account from transunion due to continuous incorrect information but did not do the same for the other bureaus
Consumer complaint received 2024-04-09
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. (MD)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding negative and inaccurate information in my credit report was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-08-06
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. (NJ)

The XXXX XXXX keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The XXXX XXXX  said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system