davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (WA)

I received a bill from Transworld Systems Inc of XXXX OH saying that they were collecting on an unpaid bill, supposedly owed to XXXX XXXX XXXX. 
I have never owed money to XXXX, and my credit report shows that there is no outstanding balance to any company. 

Next to the bill 's amount XXXX {$240.00} XXXX is the line " File # XXXX '' Again, I do not owe this money and I am not willing to sit on a phone for an hour trying to iron the problem out.
Consumer complaint received 2021-03-15
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. (NJ)

On XXXX XXXX Equifax, XXXX and XXXX responded to my complaint that I filed with the CFPB regarding Chapter XXXX bankruptcy that is on my consumer report each of the credit bureaus claimed that they verified this information with the Federal Courts, they never provided me with a name, address or person. It just states it was verified by courts. On XX/XX/XXXX I wrote to US Bankruptcy Court asking did they verify my information with credit buraus and they sent back the attached correspondence stating they do not verify records with credit reporting agencies. I also checked XXXX and XXXX  websites an it states they both verify bankruptcies with the courts.
Consumer complaint received 2021-05-31
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: EQUIFAX, INC. (GA)

I submitted dispute letters to XXXX, Equifax, and XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about many accounts that I believed were reporting inaccurately and/or fraud. Each agency has failed to reply back.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

In XX/XX/XXXX I saw a bunch of accounts on my credit report showing as open, paid late. However these accounts were previously included in a bankruptcy discharged XX/XX/XXXX. I opened a dispute to have these accounts Listed as included in bankruptcy/closed. Many were updated however XXXX and XXXX were not. I have called equifax monthly to check the status and was told it takes up to 30 days and I will get a letter with results. 
I have not received a letter and called today and was told these accounts were not included in bankruptcy. Also the rep was not helpful, did not listen to what accounts I repeated were the issue. Ultimately she told me they were not included in bankruptcy so they remain open. This is effecting my credit score, I have not received any updates on their investigation.
Consumer complaint received 2023-05-18
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. (NC)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (TX)

I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account information from my credit report. However, after various formal certified mail disputes they continue to ignore my request. This account has been charged off yet the continue to report a past due balance, the last active dates are wrong as well as the last payment date.
Consumer complaint received 2021-03-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

I applied for COVID forbearance in XX/XX/XXXX, and although their website says a response will be given in 3 days, it took weeks to get a response. On XX/XX/XXXX I received notification that I was approved for COVID forbearance. Because of this approved forbearance plan, no payments were made in XXXX and XXXX. However, I received a notice that I am late for payments ( which was incorrect since I was on a forbearance plan ). I emailed many times, and only ever received a response when I said I will report them to HUD XX/XX/XXXX due to receiving notices that I am past due which was incorrect. I was on an approved COVID forbearance plan that, according to their email, was valid though XXXX of XXXX. 

I sold the property XX/XX/XXXX, and they were fully paid out. I logged into my credit report online today, XX/XX/XXXX, and see that they reported me for having a delinquent account. This is unacceptable and fraudulent. This lowered by credit score by 93 points. 

No one ever answers their phone line, ever. They only answer emails when you say you will be reporting them. They have never once corrected any of their mistakes. Their mistakes ( perhaps intentional ) have caused stress and now have impacted my credit. Completely unacceptable. Having a phone line where no one answers and email responses that just say to call seems like a scam setup. This must be immediately resolved. 

If you go to their XXXX page, you can see hundreds of people complaining of similar issues.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated (TN)

I have a Way2Go MasterCard from TN UI, I have a {$9500.00} balance that they will not allow me access since XX/XX/XXXX. 
Card issued in TN, I have traveled to Nevada for dads funeral, they say I had to report my travel with TN UI,, even though the card policy info does not state that, I did. They have admittedly stated they made mistakes by XXXX on XX/XX/XXXX not entering correct info fir whitelisting me causing another 24 hour delay. Theyve had me try online, cash app, bank teller, atm etc.. nothing works. 
I am desperate for help and dont know where to go.
Consumer complaint received 2024-03-28
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. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. would like to convey to your attention that other credit bureaus have already corrected these accounts on their end.

Therefore, I kindly petition that you update my credit report to reflect these corrections XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-15
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. (NY)

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX  any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Consumer complaint received 2021-03-14
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: ACIMA CREDIT, LLC (IN)

I recently have been checking my credit report because I want to buy a home soon, and I have seen that there is an account that has been opened for Acima. Apparently some thing was purchased XX/XX/2019 for several furniture items that I never had purchased. It was purchased from a store called stop and shop, I have never been to that store, up until this past week to see if they could give me any information. They can not provide me with said information so I called the company and I was told to report it. Hopefully this can get resolved so the account can get removed from my credit for something that I did not purchase. My identity was stolen and somehow someone purchased all these things.
Consumer complaint received 2021-03-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

IM REACHING OUT And regards A IMPORTANT MATTER I Recently Applied For A Business Account In Got Denied Because I Notice that I Am in XXXX & XXXX XXXX XXXX, I WOULD LOVE to Explain What REALLY Happen To My Account. Ok I Did Work For A Former client & She Paid Me in A form of Payment method of A Money Order so I Deposit It To my Bank of America Checking Account Not aware That The Money order Was Mobile deposit In A Another Institution So Bank of America mark That The Money Order Was Fake In Close Out My Account Out I Was Not Aware That the Money Order was already deposit To Later On Because I made several call Around. SO Im Asking For your help!
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (TX)

My Apple credit card and savings account were locked and restricted by Goldman Sachs on XX/XX/2023. I have called numerous times to try to resolve the issue and each person I talk to only tells me that my account is under review and that someone would be reaching out to me to verify my information. It has been well over a week since this issue began and I have not been given an update and I have no access to my accounts and can not withdraw from my own savings. Customer service is less than helpful and my account is seemingly locked for no reason.
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (SC)

Sent a letter to Synchrony Bank XXXX XXXX XXXX  XXXX letting them know that XXXX XXXX is XXXX years old, unable to walk or travel due to failing health. She suffers from a XXXX XXXX and XXXX with XXXX XXXX in the right hand. In 2020, XXXX XXXX XXXX XXXX XXXX due to a fall. XXXX XXXX is only receiving social security and she is unable to pay any debt. This letter was ignored and no one responded to her/our letter. I am XXXX XXXX, her niece and I assist her with any correspondence. I can be reached at XXXX. 

Thank you.
Consumer complaint received 2021-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (PA)

My mortgage servicer has missed my school property tax payment. 

- Due in the amount of {$2700.00} on XX/XX/XXXX. 
- The payment was not made. 
- Called customer service XXXX, XXXX to remind them that payment was now due on XX/XX/XXXX in the amount of {$2800.00} - Emailed property tax bill and details on XX/XX/XXXX to customer service and followed up with a phone reminding them payment was due on XX/XX/XXXX. 
- XX/XX/XXXX - XXXX XXXX to confirm payment was made. No payment was on file. 
- Emailed customer service on XXXX, XXXX to inform them that payment was not made timely and was now delinquent. 
- Called customer service on XX/XX/XXXX to follow up on whether payment would be made timely. Resent updated tax bill with penalties. 
- XXXX, XXXX - XXXX XXXX. No payment was made by service for school tax. 
- XX/XX/XXXX, received letter from collections lawyers saying payment was now in collections. 
- XXXX, XXXX - emailed collections letter to Mortgage service and spoke to customer service 5 times in the month of XXXX. 
- XXXX, XXXX, XXXX - no payment made by the deadline for debt collector and no communication from the mortgage servicing company. Payment remains outstanding.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have no business with XXXX XXXX XXXX Acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions. The original account is past the XXXX of reporting according to the state of illinois
Consumer complaint received 2021-03-15
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. (NY)

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX  any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Consumer complaint received 2021-03-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (TN)

My cease-and-desist letter, unrebutted affidavit, and debt validation letter have been ignored by Ally Financial since XX/XX/2021. I will include proof of tracking and a copy of the letters as well. I will submit my complaint here since I am constantly being ignored and harassed to pay something I do not owe. Pursuant to 15 U.S.C. 1692g I am requesting verification of the alleged debt. Ally refuses to cease communication and validate the alleged debt. They also neglected to notify the credit bureaus that I am disputing the debt and it is causing adverse actions. I have received numerous correspondences and threating letters containing obscene and profane language. I have stopped making payment because I am aware that I do not owe the debt. I am requesting the name of the creditor to whom the debt is owed pursuant to 15 U.S.C. 1692g ( 2 ). I am also requesting that Ally Financial provide me with the name and address of the original creditor, if different from the current creditor pursuant to 15 U.S.C. 1692g ( 5 ). 

Pursuant to 15 U.S.C. 1692h my directions to Ally Financial is to refund me {$18000.00} in the form of a check mailed to my P.O. Box that they have on file. Ally may not apply payment to any debt which is disputed. I will attach the payment history that Ally Financial provided me with that reflects that amount. 

I also request that they release the lien and give me back the title of the car. I sent Ally a recession letter exercising my rights terminating their security interest under the Truth in Lending Act, 15 U.S.C. 1635 to rescind the above referenced consumer credit transaction. I will include the letter along with proof of mailing as evidenced through USPS tracking # XXXX XXXX XXXX XXXX XXXX. 

Pursuant to 15 U.S.C. 1692c ( b ) I do not give my direct consent for Ally to communicate with any third party aside from the CFPB to notify me that collection activity has ceased and that the alleged debt is disputed. Also to notify me that a check will be mailed to me for all of the payments I have made towards the alleged debt. I only give my consent to the third party Ally Financial would need to contact to terminate the security interest in my vehicle. That includes the release of the lien that was titled in the State of Ohio. 

My rights are being violated pursuant to the Equal Opportunity Act. This is discrimination. Pursuant to 15 U.S.C. 1691 ( a ) ( 3 ), It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter.
Consumer complaint received 2023-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC (TX)

On XX/XX/2021 & XX/XX/2021 Dynamic Recovery Solutions Llc Illegally obtained a copy of my credit report without my consent. I have also endured numerous harassing calls and threats from this company. I did not authorize any of this and I also demanded a cease and desist.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GSF MORTGAGE CORP (TN)

On XX/XX/XXXX we made a half payment of {$1000.00} and then made the second half payment on XX/XX/XXXX. The purpose for doing this was to cut down on our interest. Our mortgage lender, GSF Mortgage Corporation accepted both of these payments for our XXXX, XXXX payment. On XX/XX/XXXX another half payment of {$1000.00} was made and accepted by GSF Mortgage for XX/XX/XXXX. A second payment of {$1100.00} ( included a late fee assessed by GSF for no reason ) was made on XX/XX/XXXX for XX/XX/XXXX mortgage. The payment made XX/XX/XXXX was returned to our credit union. We contacted GSF to determine what was going on and was told that we were not on the ACH payment plan at which point we tried to make two more half payments, which GSF did not accept. On XX/XX/XXXX GSF Mortgage accepted a payment {$1000.00} for XXXX 's mortgage to be applied with the XX/XX/XXXX payment for a complete mortgage payment. On XX/XX/XXXX we made a payment of {$2000.00} for XX/XX/XXXX mortgage payment. On XX/XX/XXXX we made payment {$2000.00} for XX/XX/XXXX mortgage payment. On our XX/XX/XXXX statement GSF Mortgage stated that our next payment was XX/XX/XXXX. At this time, GSF Mortgage has {$2000.00} of our money that has not been allocated to our account. After 40+ hours of repeated phone calls and 60 days of no action on the part of GSF Mortgage we are at our wits end. We have begged GSF Mortgage to apply our funds and rectify this problem to no avail. We can not get a single person who can take a look at our account and do simple math to see that we have made all the required payments. We admit that we made an error in submitting half payments. Once we figured out we could not do this we have sent in the full payments. GSF Mortgage has continued to harass us with robo phone calls though we can never talk to a supervisor to correct our account. They have placed money in a so called Expense Account and can't seem to move it to be applied to our mortgage. They have applied late fees that are not applicable.
Consumer complaint received 2021-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions (AL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

ChexSystems sends my highly sensitive and private information, including SSN info, in simple USPS mail every time I lift a security freeze or place it back. This exposes me to unnecessary risks of identity theft. Chex refuses to stop sending this private info via US mail. Among the information included in unsecure and unwelcome communications from Chex are last 4 digits of Social Security Number, which are coded into a long number on top of the letter and it's very easy for a malicious person to extract this information. I had an instance of mail opening and theft by USPS employee last year, which is being investigated by Postal Inspector, and a lot of mail simply disappears right now. They also include Consumer ID, which can be used in lieu of SSN for communications with Chex regarding consumer file. Please ensure Checks stops this unlawful practice of exposing US consumers private information to identity theft. There's an absurd situation right now that to protect themselves from fraud and place a freeze on their Chex file, one must submit to having their sensitive info sent around in non-secure US mail. I will file legal action if this abuse continues.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (MA)

Equifax is reporting two fraudulent inquiries on my credit report. one is from XXXX XXXX  XX/XX/XXXX and the other is from XXXX XXXX XXXX XX/XX/XXXX. I have not personally done business or given any permission for these companies to pull my credit. These inquiries need to be deleted from my report immediately or I will be pursuing legal action with my team. Ive already disputed and Equifax did not do any investigation.