davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

Equifax on going violation ( s ) of my rights according to the Fair Credit Report Act ( FCRA ) of proper and accurate reporting of information. These violation ( s ) of the Fair Credit Reporting Act ( FCRA ), abuse of the law, and total disregard of the law to ignore the law is going on six ( 6 ) months. Equifax on going of reporting illegal information of a Bankruptcy on my Equifax Credit Report. Violates all section ( s ) of the Fair Credit Reporting Act ( FCRA ). Equifax has denied my every attempt of using the law to prove my right ( s ) according to the Fair Credit Reporting Act ( FCRA ). Equifax has re-reported the same exact account name and account number that was previously Deleted, Removed, and Block. That is a clear violation of the Fair Credit Reporting Act ( FCRA ). Equifax is acting as if they are bigger than the Fair Credit Reporting Act ( FCRA ) that governs them. Equifax has ignored and disregarded my dispute ( s ) of : 1. Accuracy and Relevance of Information FCRA Section 1681b : The reporting of the bankruptcy is not only inaccurate but also illegal. FCRA Section 1681b requires accurate and fair credit reporting.

2. Permanent Removal of Bankruptcy Reporting : Permanently remove the bankruptcy reporting from my credit report, in accordance with FCRA Sections 1681g, 1681b, 605 ( a ) ( 5 ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 2 ), and FDCPA provisions related to accurate and fair credit reporting.

3. Illegal Reporting FCRA Section 1681g : The bankruptcy is being reported in violation of FCRA Section 1681g, which prohibits the reporting of bankruptcies that antedate the report.

4. Deletion of Inaccurate Information FCRA Section 611 ( a ) ( 1 ) ( A ) : I demand the prompt correction and removal of the inaccurately reported bankruptcy, as per FCRA Section 611 ( a ) ( 1 ) ( A ).

5. Fair Debt Collection Practices FDCPA : The continued reporting of this bankruptcy is misleading and may negatively impact my creditworthiness, potentially violating fair debt collection practices as outlined in the FDCPA.
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 602 A. 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 2023-05-26
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: Experian Information Solutions Inc. (GA)

I submitted a complaint last XX/XX/XXXX, XXXX responded but Experian and XXXX 's XXXX is still in progress. Some items are deleted but there are still FRAUDULENT items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.
Consumer complaint received 2018-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services (CA)

I have a medical collection on my credit file that i have been disputing for several months that doesn't belong to me. I have always had medical insurance through my job and i even went to XXXX XXXX XXXXXXXX XXXX to ask about the account and they had no record of me with an outstanding bill. XXXX XXXX still has not deleted this account and they keep saying its verified but have not sent me any proof that it belongs to me.
Consumer complaint received 2017-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I previously submitted a complaint to you about Bayview loan servicing. I asked them to provide a copy of the mortgage note, and all documentation pertaining to my mortgage. They were suppose to comply by XX/XX/XXXX. The complied with no documentation. They sent me a letter stating that my mortgage has been sold again. They further stated that they will continue to service my loan I am suppose to send them my payments. They sent me a barely legible promissory note without my name on it. Only the name of my deceased husband. He has been deceased since XXXX. XXXX did an assignment from my deceased spouse and the previous lender on XX/XX/XXXX. They further did an assignment from XXXX to Bayview Loan servicing on XX/XX/XXXX. Bayview states that the loan was sold on XX/XX/XXXX and the documentation was filed in my local court jurisdiction. I have looked and it was not. I have no idea who actually owns the mortgage it even if I owe money at all. The promissory note that they produced is totally different from the original one that I have. I have not let them in on that fact as of yet. Please feel free to contact my daughter XXXX about anything pertaining to this matter.
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this letter to bring a serious matter to your attention concerning potential identity theft that has affected my credit report. Upon reviewing my credit report, I found an unfamiliar account listed under XXXX, Account Number XXXX, which was reportedly opened on XX/XX/2022. I wish to express categorically that I did not open this account, nor have I authorized anyone to do so on my behalf. 

I believe I am a victim of identity theft, and this account is a result of fraudulent activity. I have no knowledge of this debt and have not incurred it.
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX AND EXPERIAN HAS INFORMATION ON MY CREDIT REPORT THTA NOT MINE AND THEY REFUSE TO DELETE. 

I demand the followingBE deleted immediately. 
I received a copy of my credit report and found the following item ( XXXX ) to be in erR Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-13
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: Experian Information Solutions Inc. (GA)

I received a notice from Experian that I had an unpaid account with XXXX. I never opened a credit card with XXXX and I disputed the claim. Experian notified me that the company verified the information and so the issue will remain on my account. I don't know how the company verified this because I never opened a card with XXXX.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

On XX/XX/2023, my scheduled monthly payment date, I scheduled a one time only online payment for the balance of my credit card debt ; the actual balance for purchases at that time was XXXX dollars ; my one time only online payment was scheduled for that amount. 
I had previously established a XXXX dollar auto pay to be paid on the same day, this is an auto pay that I had established months ago and for many months, I have been paying my balance with that auto pay amount. 

Mistakenly I did not " uncheck '' the monthly auto pay of XXXX dollars for the pay date of XX/XX/2023, consequently, Citi requested both the XXXX XXXX time only payment and the XXXX auto pay from my bank. The XXXX was paid but the XXXX auto pay was returned as insufficient funds. 

Due to a policy at Citi Bank, Citi created a debit balance for the XXXX dollar returned funds and today they insist that I must pay the XXXX " outstanding balance ''. I have discussed this issue with Citi Bank Customer service on three occasions, explaining my position that the XXXX dollar " debit '' is not supported by any purchases and that the balance of my account was paid in full with the {$9000.00} one time only scheduled payment. The XXXX dollar balance is nothing more than an accounting place holder and does not represent any funds spent nor does it represent any funds due. Citi charged their XXXX dollar returned funds fee three times and I paid those fees. 

After the several conversions with customer service representatives and their managers, I've been told that the balance stands and must be paid. Customer service reps nor their managers bothered to look at my account balances- they simply maintain that a returned payment represents a debit and that I am responsible for paying that debit. ( and the returned fund fee ) Citibank Credit cards create debit balances from mistaken attempts to pay off my credit card balance equal to the attempted or mistaken payment regardless if the mistaken payment attempt is represented by any purchases or previous balance. 

After a month of arguing about the unfounded balance they closed my account and are demanding the XXXX dollar fake balance be paid. 

I am seeking to have the XXXX fake balance be recognized for what it is, an accounting place holder and be credited from my account balance. 

I'm sorry I can not provide account summaries that support my. are, once Citi closed my account they denied access to my my previous account statements. The only statement that I have access to is XXXX 's statement which shows {$6600.00} worth of purchases and the XXXX returned payment fee. I paid the {$6600.00} balance and as mentioned above I am seeking to resolve the XXXX dollar fee.
Consumer complaint received 2020-03-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

I was behind on my mortgage due to a financial emergency. I got a lot of positive feed back and was told that I could rewrite for a lower rate and lower my monthly payment to better help with paying on time. 

The paperwork I received said the following : ( attached ) Spread it out over the remaining term. 
Reducing interest rate Deferring interest and advances extending the term and in some circumstances forgiving the balance owed I was told these and it is in their language on their forms. 

However once all was said and done I had no option but to take their option or loose my home. 

They raised my interest rate from 3.25 % to 4.75 %, charging me {$500.00} more per month, charged an astronomical amount of fees and penalties, and this was suppose to help? They got the federal bail out, The VA said they should have helped. Th VA isn't helping.
Consumer complaint received 2023-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IL)

They unknowingly took me to court without proper notice or serving me. I am a XXXX XXXX  over the road. The sued me for court fees for money I did not owe. The company was sued by me and I won a settlement and I feel this is retaliation.
Consumer complaint received 2023-09-14
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. (NV)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

Fraudulent items that need to be deleted : XXXX ACCT XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$150.00} XXXX XXXX XXXX  ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$470.00} XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$840.00} XXXX XXXX  ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$450.00} BANKRUPTCY US DIST CT DISCHARGED XXXX XX/XX/XXXX FRAUDULENT HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2023-09-14
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. (SC)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXXXXXX XXXX XXXX, XXXX, and Equifax have 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 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 or 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 data is inaccurate.

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Consumer complaint received 2023-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I contacted Equifax numerous times during last 3 months to prove the rights of dispute this XXXX  collection amount. each time Equifax asking me to provide a CERTAIN documents, Once I provide all the documents they asked for, They still IGNORED and INSISTED to keep this FALSE collection in my credit. 

In the same time that I submitted just one document to XXXX, they Thankfully dispute this False collection Immediately. 

PLEASE DISPUTE This XXXX Collection RIGHT AWAY. 

Thanks
Consumer complaint received 2023-09-14
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (CA)

On XX/XX/2023 there was a background check conducted by this company. The information that was sent to my employer was incorrect. My DMV printout is dated for XX/XX/2023 which has 1 point on my record. There were backgrounds conducted by this same company in XXXX and its the same background. There was a point removed from my driving record and this coompany sent that I have 2 points on my record when the Department of Motor Vehicles already removed the point. Now I can not get employment at this time because this report was inaccurate.
Consumer complaint received 2023-09-14
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there is still an account that needs to be FIXED. The credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-16
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX   XXXX  XXXX {$150000.00} XXXX XXXX {$110.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$1600.00} BANKRUPTCY-DISCHARGED XXXX {$0.00}
Consumer complaint received 2023-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Bradley G Nykamp PC (UT)

I got a letter threatening me with a lawsuit on XX/XX/XXXX from Pterson Nykamp LLC and have received multiple phone calls to my phone and job asking to pay back a debt from XXXX the statue of limitations in Utah is 4 years. i have tried calling them and told them to cease & desist these harassments tactics. in the letter they say that if i don't call or write to them by XXXX XXXX XXXX  they will assume this debt is mine. this debt is not mine the last time i had XXXX XXXX  was in XXXX way past the statue of limitations in the state of Utah. i want them to stop mailing and calling me and my job threatening me with collecting a debt that is not mine.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (TX)

On XXXX XXXX I tried to access my Flexible Spending account with Optum Bank and had my account frozen due to improperly inputting my password. I called their technical support line and went through their procedures with their tech to unfreeze my account. Due to some IT issue, they were unable to restore my account and I was told a 'Tier 2 ' technician would be either emailing or calling me. I waited two days, didn't hear from them and called them again yesterday, XXXX XXXX. Their tech insisted I go through the same process again, even though I told them that it wouldn't work. She was unyielding even after seeing that a ticket had been submitted to Tier 2 so I wasted another 1/2 hour until the new tech came to the inevitable conclusion that I needed Tier 2 help. I asked to be transferred to their Tier 2 department and was told that she couldn't transfer me but would attempt to get them on the line. I was placed on hold for 15 - 20 minutes until she came back on the line and told me that no one at Tier 2 was available. I then asked, and had to ask multiple times to speak to a supervisor. She finally relented and placed me on hold to get a supervisor on the phone. After another 15 - 20 minutes she comes back on the line and tells me no supervisors are available but one would contact me by phone shortly. It's now a day later, no emails from Tier 2, no phone calls from a supervisor. Frustrated, I called their corporate phone number to request assistance and was bounced around from department to department with no one able or willing to help me. I'm undergoing a procedure on XXXX XXXX to XXXX  a potential malignant XXXX and I need my FSA account unfrozen to pay for the procedure.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XX/XX/2023, I requested a pre-approval for mortgage with XXXX XXXX On XX/XX/2023, over 20 banks called and texted offering mortage products and also have calls from overseas ( XXXX ). Few banks reported that all my information was provided by TransUnion. 

Ive tried calling and texted Trasnunion, but no response. I proceded to enter my information in the Opt-out service and early in the morning in the non-call but still receiving a ridiculous amount of calls and very aggressive as they do not understand this calls are unsolicited.