davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

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 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I have a letter from Select Portfolio Servicing stating that they are working on my file which indicate I have submitted paperwork for the short sale. My realtor has called several times as have I and they have not documented all calls. They were not really trying to work with us on this short sale. All request have been sent over. For them to verify that they rec 'd my paperwork and now say its not complete is ludicrous. 

I just wanted my investor to buy the home so I won't have a foreclosure on my record and the lender not have a property on hand both of us happy. I really need to move in some apartments that require I don't have a foreclosure on record. I have submitted all paperwork. 

The balance that they are saying I owe is XXXX more than over the balance. The balance is now XXXX and some and my balance was XXXX when I got behind. It does not take a scientist to know that whatever was added to my balance could not be this amount. When asked for an audit on my file I receive nothing because they said I have not paid Select Portfolio anything. They are correct with Select Portfolio. But I paid when it was with XXXX XXXX, XXXX XXXX and XXXX XXXX. So I was still suppose to this accounting information because it was TRANSFERRED TO THEM. I KNOW THAT XXXX XXXX INSURANCE HAVE PAID THEM FUNDS -- -- -- -- -- -- -- -- -- -- -THEREFORE THE BALANCE THAT THEY ARE STATING IS INCORRECT. THAT MAKES THIS LOAN A FRAUD -- -- -- -- -. 

What can be done to stop this foreclosure because that's the reason they are not working with me. The balances are wrong and I can't be approved if the totals that they are working with are not correct, the system will keep kicking them out. 

I have asked for an itemized statement in which I have not rec 'd will you help postphone this sale and get this information to me since they have not returned phonecalls or called the realtor since this process
Consumer complaint received 2023-11-29
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. (GA)

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  has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

A small claims lawsuit has been filed by XXXX XXXX XXXX against XXXX, Equifax, and XXXX credit bureaus. The lawsuit alleges that these credit services have been reporting inaccurate information, compromising XXXX XXXX XXXX 's credit profile due to fraud. Despite multiple notifications to the credit services, the necessary corrections have not been made. This notice serves as an attempt to settle the issue of the misreported information. Failure to update the credit profile appropriately may result in the continuation of the lawsuit to seek damages from all three credit bureaus. This letter provides an opportunity to rectify the errors, and it will also be presented as evidence in the lawsuit. Thank you. 

accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-04
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: ABSOLUTE CREDIT  LLC (SC)

Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I have multiple names on my report that are not mine. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00} XXXX XXXX CO, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$32.00} RESOLVE XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00}
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2018-09-04
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. (FL)

TODAYS XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX   et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-01-11
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (AL)

Title Max XXXX told me that I could get a loan and pay it back over time. Well, they didn't tell me that if I made a payment of what the amount they have me make. It would only be an interest payment. Nothing goes toward the principal!!! So I said this loan would never get paid off under those terms. And with a loan amount of {$6200.00} I pay {$760.00} every 30 days. If I'm late by 1 day, the amount goes up until payment is received. I've been paying on this loan since XXXX of XXXX and my loan amount has gone down by {$34.00}. If you renew the loan, I would have to make a payment of interest only which is very high. But does not goes toward the principal amount of the loan. 
So all of the payments so far, have reduced the amount of the loan by {$34.00}. 
I applied for a loan in XXXX of XXXX, and still paying on the interest only to date. No action has been taken so far.
Consumer complaint received 2023-11-29
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. (TX)

In accordance with the fair Credit reporting act ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Account # XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) 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 agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2023-04-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (CA)

I continue to receive harassing phone calls even when I have asked them to stop several times. I have told them that I have a VA loan and that it isnt late until the XXXX. Yet they continue to call and harass me about payment. 

I believe it is illegal to continually harass someone about a VA loan like this. If its not illegal its very predatory.
Consumer complaint received 2018-09-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY (CT)

Received phone call on XX/XX/XXXX from XXXX at my job from an American Express debt collector. I set up payment plan with debt collector that same day and told the debt collector to not call my job again as my job does not accept phone calls from debt collectors. Received another call at my job on XX/XX/XXXX from the same debt collector from XXXX. Other phone number used : XXXX. I am still receiving calls to my job even after setting up payment plan.
Consumer complaint received 2022-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

This is no longer legally my debt. Also this was a debt from 2016 JUST reported which they have 180 days. It shows 2 months which is a lie. This was bound over to my ex in the court documents that this was stolen and NO LONGER MY DEBT. I am not to be held responsible as court signed documents state.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (PA)

I applied for Chase XXXX XXXX credit card according to the avertisment of getting XXXX points after spending {$3000.00} during the first 6 months / Chase claimed that the offer was for XXXX during 3 months. 
I did spend a total of over {$4000.00} during the 6 months to meet the requirement of the points offer. 
They denied my points
Consumer complaint received 2024-03-21
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. (TX)

I am writing to file a formal complaint against Experian regarding the inaccurate and fraudulent information listed on my credit report. I have attached copies of the letters I previously sent to Experian addressing these issues, along with all necessary documentation to support my claims. 

The accounts and addresses that do not belong to me are severely damaging my credit score. Despite submitting all required documents and evidence in my dispute, Experian has failed to permanently block these fraudulent items from my credit report. This not only violates my rights but also constitutes a violation of the law. 

As a result of these fraudulent items, I am facing significant difficulties in my financial life. I am unable to qualify for credit to purchase a home or a vehicle, and I can not afford to enroll my children in educational programs due to the impact on my creditworthiness caused by these inaccuracies. 

I have provided information to Experian numerous times, yet they continue to willfully break the law by allowing fraudulent items to remain on my credit report. Additionally, Experian has refused to remove incorrect addresses despite clear evidence proving that I never lived at these locations. 

Experian has also exceeded the four-day timeframe required by law to permanently block and remove these fraudulent items. Their negligence and disregard for the law are unacceptable and have caused me significant financial and emotional distress. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and ensure that Experian promptly removes these fraudulent items from my credit report. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter.
Consumer complaint received 2023-11-29
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. (MO)

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. I told the Equifax to reinvestigate this account : on XX/XX/XXXX  - XXXX XXXX, XXXX XXXX ( fraud/theft ), However, they stated everything was complete and accurate or still working on it, but it is been more than 30 days since I submitted the complaint. But also how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-03-21
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 The 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 2023-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I paid my XXXX credit card balance {$250.00} in full XX/XX/XXXX  which was prior to the statement due date. Then on XX/XX/XXXX finance charges and even a late fee were added to my account to which I owed nothing! Then again in XXXX and XXXX, XXXX and XXXX late fees and finance charges were added. I was out of state and was unaware they were charging me. So, when I got a notice that my credit report was showing this over 90 days delinquent I contacted them and alerted them that this information was not correct! The XXXX I talked to said she could see the mistake and would remove the bogus charges. I called XXXX other times and again was reassured this would be taken care of and taken off my credit report. The charges were eventually removed but instead of taking this off my credit report they put a note on it that my account was now in good standing! Which is was all the time! So, now it looks like I finally paid my bill which is not the truth. Please help me!!!
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmWest Funding Corp. (CA)

I have some temporary financial issue, so my mortgage is behind 8 months. 
I tried to talk with my mortgage company, and ask them to give me an option to solve. 
My porperty has enough equity and so they ( mortgage company ) can give the many options but is not easy to talk with on the phone. 
They promise me to find someone and call me back but to failed. 
I tried to another organization in XXXX XXXX through HUD. 
Nobody answer on the phone, leave the message, never call me back. 
the lists are as follows, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Only 1 organization received the phone when I callXXXXThe name is XXXX XXXX XXXX 
She gave me 2 counselor phone number to make an appointment.

I call them and leave message but never call me back.

For the last 2 weeks, I couldn't have got the chance to consult with my emergency situation with anybody. 
My mortgage company also seems not try to help me. 
I asked them to separate property tax from mortgage to down the price of payment. 
I want to control the property tax by myself but no answer. 

I am so sad almost dying for a fear of losing property. 
I really want to protect and keep my property until I die. 
Please help me!!
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

On XX/XX/2023 I used my XXXXXXXX XXXX XXXX card to pay off my Bank of America Travel Rewards card. XXXX sent it to the wrong account number. I have contacted both banks at least 9 times. They are both aware of the error but will not correct it. I am being charged for the same amount by both banks. XXXX claims they have notified Bank of America about the mistake. Bank of America says XXXX has not contacted them. I gave Bank of America the wrong account number that it was sent to but they say they cant look it up. It is 2 digits off in the third set of numbers from my account number. I cant keep making payments to both cards for the same amount. Please help me. Im retired and on a fixed income. Thank you for your time.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX