davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

XXXX XX/XX/2021 approx XXXX ( PST XXXX went online at XXXX to obtain credit report from Equifax. Went thru all the steps of verifciation, supplying SS # and answering security questions, the website then said Unable to send online credit report. Must fill out form to request a paper copy, please send copy of SS # and verification of address. 

Equifax continues to be problematic in participating in the free annual report program. 
Why did it ask for all the security info and SS # ; which is already a risk for the consumer and then say it can not supply online report.? No consumer that is checking their credit report to ensure there is no incorrect info and/or to prevent fraudulent behavior will want to willingly send a copy of their SS # and verification of address in the postal service mail. 

Equifax is not following the federal mandate to provide a free annual credit report via online request.
Consumer complaint received 2021-07-07
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: Experian Information Solutions Inc. (MS)

I AM THE PERSON WHO TYPED THE LETTER THAT WAS SUBMITTED, NOT A CREDIT REPAIR AGENCY!!!!!!!!!!!!! This complaint is in response to my original complaint : XXXX. Experian has been provided with the laws pursuant 15 usc 1681 b which states the Permissible purposes of consumer reports! They continue to ignore and break the law!!!!
Consumer complaint received 2021-12-22
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: Colony Brands, Inc. (MI)

My complaint is with XXXX XXXX. I have a XXXX, revolving line of credit with them that has been established since XXXX of 2020. They have yet to report my positive credit rating to any of the major credit bureau ( s ) as promised.
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

in XXXX I refinanced my home with a XXXX XXXX XXXX. The mortgage crisis hit in XXXX and I had to file bankruptcy. The neg am loan kept adding to the original balance and ballooned to over XXXX. After I got back on my feet around XXXX the bank agreed to a modification that would " set aside '' XXXX of my balance while I paid {$2200.00} per month at a fixed rate of 5 % for 30 years. However very little if anything was going toward principle. I paid on this loan for 8-9 years until Covid hit in XXXX and I was sent a letter stating I was approved for a new modification ( that did not ask for ) where I would continue to pay roughly {$2200.00} per month. However I would owe a balloon of {$170000.00} additional dollars after the 30 years! I had been working on getting all this time on getting some type of relief but was getting nowhere. My servicing Company Select Portfolio Servicing would not even tell me who held the note. I finally found out the note holder is XXXX XXXX. I hired an attorney to look into my documents because I was always told when I shared my story that it did not make sense. I finally received copies of my modification and the chain of title regarding my loan. The attorney I hired stated that the chain of title did not look correct. However, since he did not practice law in CA he could not pursue anything.I have paid close to XXXX in the last 8-9 years and still in worse shape than I was in XXXX with this bank not willing to work with modifying this loan. Please Help!
Consumer complaint received 2021-07-07
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. (TX)

Since XX/XX/2021 Ive been trying to get a hold of the credit bureau to remove fraudulent items I have also filed a police report as well as the FTC report and filled out identity theft affidavit which is notarized as well still to this day XXXX have not yet to receive any results from this.
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-06-25
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)

On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies XXXX, XXXX, and TransUnion in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ). 

This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX XXXX XXXX before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.
Consumer complaint received 2018-03-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America referred my mortgage to a law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX MN XXXX ( XXXX ) XXXX with a pending mortgage modification application. 

Bank of America is also reporting a mortgage escrow shortage that doesn't exist
Consumer complaint received 2021-07-07
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: The CBE Group, Inc. (OH)

On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am not responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer, and I am requesting legal actions to remove this account immediately.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (DC)

I purchased a XXXX  treadmill on XX/XX/XXXX for {$4900.00} and I financed the purchase with Affirm 's buy now pay later product offering via loan ID XXXX. In XXXX, I learned that it would not be delivered when promised and I cancelled the purchase and delivery and was told I would have a full refund. Thereafter, Affirm attempted to collect {$14.00} from me. I disputed this amount with them, given that I never received delivery. They refused to discuss this with me and ultimately recommended that I make payment because they have no way to validate the debt since it is reported to them from XXXX. I paid the amount ultimately on XX/XX/XXXX and they have reported a 90 day delinquency on my credit report, dropping my credit thereby by over XXXX points for a debt I DID NOT OWE. They are not able to provide me any statement or proof of the debt and XXXX tells me I have to dispute the debt with Affirm. In Affirm 's email to me about my dispute, they stated " We worked with the credit bureau to minimize the impact to your credit report from delinquent payments. '' -- what does that even mean, and how can that be true when a {$14.00} late/disputed payment has dropped my credit so substantially?
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I was pre qualified for a mortgage loan on XX/XX/XXXX by XXXX XXXX, who is the Mortgage Loan Originator of the Fifth Third Bank. I was pre-qualified for {$320000.00}. I went into contract to buy a house and I had to send a {$2000.00} deposit to the tittle company. The bank kept us waiting for the loan approval making us change the closing dates 3 times over the course of 2 months. Now, two and a half months later the bank send me a denial letter for the loan and we cant close on the house. In addition, the sellers dont want to give me the XXXX deposit back.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (MI)

today on XX/XX/2023 i have been trying to contact Experian about a sutuation regarding trying to open a bank account with XXXX and an agent told me to contact experian as they use them in such situations. problem is i called at lease 10 times and i cant even get a hold of any human at experian to resolve the issue. this has been frustrating and also i will be using this to file a complaint against XXXX  also as I have spent my whole day trying to get this issue resolve with XXXX as they have breached their contract with me in regards to a XXXX dollar referral bonus i was suppose to receive but never gotten
Consumer complaint received 2021-07-07
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. (WI)

I have been trying to resolve errors on my report since XX/XX/XXXX. It is now XXXX. There are inaccuracies with the following accounts that per the FCRA should be removed : XXXX is showing derogatory status. The CRA continues to state verified yet has not sent me viable proof of validation. They refuse to remove account even though I've sent proof that the CEO of XXXX can't find the account and that the CRA can't verify since I've frozen my reports with all 3rd parties. I've attached copy of FCRA, Copy of letter from CEO and proof that all 3rd party reports have been frozen. 
XXXX opened XXXX, is showing derogatory status. The CRA continues to state verified but has not sent me copy of original contract or anything else that would be considered proper debt validation. Furthermore, this account was sold and a write off, thereby making me not liable for this account. Also, I've frozen all third party reporting so for CRA to state verified is fraud. 
Get it Now Account opened XX/XX/XXXX shows late payment and status of closed instead of paid as agreed. Since late payments listed fall under Cares Act and this account has been paid in full, it is being reported inaccurately. The CRA refuses to fix errors or delete account despite them being unable to verify or property provide proof of validation. 
Get it Now Account is showing balance despite being paid off and paid in full since XX/XX/XXXX. 
Currently this CRA is in violation of section 623 ( a ) ( b ) regarding these accounts. I've attached copy of the FCRA, Copy of Cares Act, Proof that third party reporting is frozen and Copy of XXXX CEO email. This CRA is in clear violation of my rights and FCRA.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (GA)

I am disputing the items listed below in Sections 1 10 of the Lexis Nexis Consumer Report. I am respectfully requesting that Lexis Nexius remove these entries from my consumer report, as they are either not me, time-barred, or not associated with any of my active accounts or credit inquiries made within the last 10 years. I have attached legal documents, ranging from XXXX, that shows the name and address that belongs to me. Included are the following documents : GA drivers license, I.R.S., State of Georgia Dept of Revenue, SS #, bank, insurance, bankruptcy court paper, employment XXXX, auto purchase contracts, student loan, property tax and assessment, XXXX car note, and 2 rent-to-own agreements. The cars and furniture rental agreements are the ONLY purchases that I have made within the last 10 years where a credit check was performed. Lexis Nexis list 71 names/addresses records in my report ; of the 71 only 2 records are accurate records 50 and 59. I have lived at my current address, listed above, for the past 18 years ( XXXX ) ; it should be the only address listed in your report. In addition, my name is listed SO MANY different ways in your report, names that I have NEVER used, names that do NOT belong to me. The same thing with the addresses, your report lists my childhood address from XXXX, I was XXXX XXXX XXXX ( A MINOR CHILD ) living in my fathers house. The duplication and inaccuracy of your reporting makes the report very confusing and almost impossible to review. Most of the records DOES NOT contain a SS # or date of birth I was wondering how XXXX XXXX determined they belonged to me? The report lists 40 inquiries from XXXX XXXX XXXX ; 30 of the records contain dates and 10 records do not. I contacted XXXX XXXX XXXX at XXXX and spoke with the Underwriting Dept and asked them why they inquiry so many times. I spoke with a rep named XXXX, who confirmed that in the past year, XXXX XXXX XXXX has only inquired 4 times and that was on my renewal dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I realize that these are soft inquiries that I only see ; however, I would like them removed as they are inaccurate, and XXXX XXXX XXXX  DID NOT make them.
Consumer complaint received 2023-05-15
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC (VA)

Credit Management Co. is a collections agency who handles a medical debt of mine that is currently in collections status. This agency has bad practices and is continuously reporting this debt/collection as a new account every month, even though they have been in possession of the account for years. This re-aging and re-reporting the old debt as a new collections, is leading to a new negative item showing up on my credit report every month with this agency. Not only is this unfair to me as an individual working hard to repair my credit and climb out of debt, it is unethical because the information is simply not true. 

As of XX/XX/2023, Credit Management Co. has reported my medical debt as new to the credit reporting agencies and shows an account age as 1 month. Again, this is untrue since they have possessed the account for years. My medical debt amount is {$1500.00} which is correct. Ive contacted the agency to no avail, as the representative tell me that all information reported is accurate although this is untrue. 

I am asking for an investigation and any penalization and disciplinary action to be taken against this agency, to ensure that others arent made to encounter what I am dealing with.
Consumer complaint received 2023-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX Social : XXXX Birthdate : XX/XX/XXXX Account number : XXXX How many laws will you allow this company to abuse before stepping in and protecting consumers? 

XXXX. ) First investigation they did was not conducted correctly because if it was they would've seen the huge discrepancies on my account. They said it was verifiable & complete & accurate information. 
2. ) Reinvestigation came back with the same result. I gave them multiple opportunities to conduct a fair and accurate investigation. Instead of doing their due diligence I suffered by not being able to receive a personal loan. Also defamation of character as I went into my bank and was denied DUE TO THIS COMPANY not completing a proper investigation XXXX. ) They have now chosen to harass and cause me XXXX  not only XXXX XXXX XXXX XXXX XXXXXXXX XXXX but by mailing me a paper with language stating on it that I owe a Debt that is inaccurate and incomplete. 
Again I ask : How many laws will you allow this company to abuse before stepping in and protecting consumers? 

Law they are violating : The Fair Debt Collection Practices Act ( FDCPA ) Account number : Inaccurate info XXXX & XXXX ( XXXX ) or XXXX ( XXXX ) Date of last activity : Inaccurate info XXXX : ( XX/XX/XXXX ) or XXXX : ( XX/XX/XXXX ) or XXXX : ( XX/XX/XXXX ) Date Opened : Inaccurate info ( I have proof ) Payment status : Inaccurate info ( I have proof ) Past due Amount : Inaccurate and incomplete info ( I have proof ) Account status : Inaccurate info ( I have proof ) 1. Continued attempts to collect debt not owed or properly investigated due to intentional negligence 2. Illegal or unethical communication tactics 3.Many more illegal debt practices like privacy laws being violated
Consumer complaint received 2021-07-08
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: HCFS Healthcare Financial Services of TeamHealth (TX)

I have disputed this collect agency several times. It has 3 different collections on my report from the same agency. I dont even know what this collection is. I disputed one maybe less than a year ago. It went away. And now recently, they added the same collection again! All 3 times. This is not my account. They are harassing and calling my number. This is a disturbance. I do not know where these 3 collections came from. Who are these people. It says its from XXXX XXXX XXXX XXXX XXXX, something about Medical. I have not seen a doctor in 6 years. I do not have knowledge of these accounts. 

Collection Agency : 1. ARS Account Resolution. {$1600.00} XX/XX/XXXX 2. ARS Account Resolution. {$1500.00} XX/XX/XXXX ( recent one they added on ) 3. ARS Account Resolution. {$950.00} XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-07-08
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-07
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-07-08
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. (FL)

On XX/XX/XXXX, I sent a mail regarding identity theft and fruadlent accounts on my credit and i got a mail today stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend my interior weekend gathering all the documents to receive a mail like that. I am extremely upset. Ive been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license and social.