davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I logged into my equifax account and recieved an error message that advised me to call them and provide a code. I did this. At that time I was asked to scan my license while on the phone to prove who I was. The rep stated it was a one time issue no big deal and would send me out my credit report. Fast forward I go to recheck for something I disputed and got the same error message. This time I called I was told it was an internal issue on their end. I was advised they were routing to IT and advised to allow 2 week. Its been a month. I log in today same issue. I called and was told I need to mail in documents to verify who I am. I asked what has changed and why is this necessary especially when the automated system asked for ss # dob address zip etc. I then explained I have been dealing with this for a month. I spoke to someone today who advised me that the only way for me to obtain my own information or access to my account is to snail mail a copy of my license and SS card for proof of verification and then the turn around time is another 3 weeks. I explained I dont have that type of time we are in the homebuying process I can not obtain or view my info. She couldnt answer my questions as to why this wasnt explained a month ago or WHY this is needed now. I also asked why I never got any correspondence requesting info or why the last 4 people never told me they needed me to mail in anything as this couldve been done a month ago.
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

I have a unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX XXXX Cease and Desist all further communications.Credit Collection Services needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Consumer complaint received 2023-11-02
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. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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. (OK)

In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights .

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

I started a loan modification back in XXXX XXXX, I passed my trial period and was accepted and granted the loan modification in XX/XX/XXXX, a new subordinate mortgage was created and an official agreement for the Loan Modification, with the new principal and interest totaling out to {$1000.00} till the maturity date of loan which is XXXX/XXXX/XXXX. I was relived when I received the official documents signed from Midland Mortgage for the approved Loan Modification. Every month since then I have made every monthly payment on time as per the agreement. 
On XX/XX/XXXX I started receiving robot calls from Midland in regards to saving my home from foreclosure, I disregarded it at first but after 2 days of nonstop robot calls I logged into my account just to view it, it showed I owed {$100000.00} due immediately for failure of 33 payments. I immediately called customer service, I was advised not to be alarmed that my Loan Modification was under review and my account would be righted within a couple of days. After a week I received over 20 notices in the mail that I was passed due on my mortgage and need to remedy it via a Loan Modification, Program, or Short sale. I called again, now with my account showing 11 payments behind on top of fees totaling out to {$33000.00}, I was told by Supervisor XXXX XXXX that there was an error made on behalf of Midland Mortgage  and they are reversing the loan modification and I will need to pay that dollar amount to bring my account to current to avoid foreclosure, that I could apply for another Loan Modification, and an assistance program to divide the XXXX XXXX into several payments, this amount is also including late fees, even though I have never been late on a monthly payment. They arent complying to our contract, they are breaching it, without explanation other than an error, with letters being sent out, with threats on losing my home. 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 and the best answer I can receive from Midland Mortgage is they are working on putting an explanation in writing and they understand my struggles. Now I have to hire a lawyer with funds I do not have to force Midland Mortgage to honor and comply with a Loan Modification that they approved.
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-07
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$100.00} XXXX  XX/XX/XXXX
Consumer complaint received 2023-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (FL)

On XX/XX/2023, I contacted the company, XXXX XXXX and spoke to a very numbed speaking man that I had to interrupt several times because he was speaking fast as to read the script, I stated I wanted a supervisor. He said, let me get you to who got to handle yo I told him again I asked for a supervisor. He then quickly said, it aint a supervisor issue and placed me on hold. I then called back, spoke to a RUDE and left to be desired supervisor named XXXX XXXX. She also wanted to rush me off the phone reading quickly speaking fast as ever and again when I stated I wanted to address the behavior of the previous representative, she tried to dismiss me and then tried telling me to PAY WHAT I OWE. 
I asked SEVERAL TIMES to speak to her superior and she said, oh thats not going to happen. I said I will call back, she said and you will get only me and refused to get me to someone over her. 
I dont know what kind of ghetto business this is, but clearly the issue is someone that has my information. But I will now address that this is Identity theft, AFTER I READ THE NOTICE AND LOOKED AT WHAT I CAN DO! So maybe you can save your company some money, make sure people see what they can do without having to deal with people like XXXX XXXX and representatives that are very comfortable in their ill mannered behavior. I hope XXXX XXXX supervisor can maybe get her some customer service etiquette and explain that this may not be the career move for her.
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-14
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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
Consumer complaint received 2023-03-02
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. (AR)

I am submitting this CFPB complaint to you today to request that you remove the fraudulent accounts and information you are reporting on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. In accordance with the Fair Credit Reporting act section 605b, I am requesting you to please remove the following fraudulent accounts and information off of my Credit File : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$390.00} XXXX XXXXXXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX, XXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$2100.00} XXXX XXXX XXXX / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX. Please comply wit hthe Fair Credit reporting Act section 605b and have the disputed accounts and information removed from my Credit report as soon as possible.
Consumer complaint received 2023-03-02
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. (OH)

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 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) 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 RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681 S-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 2017-05-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (SC)

this company has been sending me several emails threatening to take me to court. The company at first starting stating they were   XXXX   XXXX   XXXX   then they stated they were  XXXX   XXXX  and now they are stating they are  LVNV f unding. This company is impersonating different companies per their emails. I do not have a contract with LVNV Funding or do I have a contract with  XXXX . This company has not sent me any validating legal contract with my valid signature that I agreed to do business with them. this company is now showing on my credit report hindering me from establishing credit.
Consumer complaint received 2023-05-11
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. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXX XXXX Balance : {$630.00}
Consumer complaint received 2023-05-11
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. (NC)

My research on FCRA XXXX indicates that credit bureaus are required by law to remove and ban any items that are discovered to have been opened as a result of identity theft. Again, it looks that my credit with you has been compromised. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following items must be taken away by CREDIT BUREAUS : XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$3600.00} ; XXXX  XXXX XXXX XXXX  XXXX Balance Owed : {$1700.00} ; XXXX  XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-02
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance - Bankruptcy XXXX  XXXX XXXX on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2023-08-14
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Maury Cobb, Attorney at Law, LLC (GA)

prior to XX/XX/2018 i had recieved several robo calls from XXXX XXXX then from maury cobb law office. finally after 5/6 times of telling maury cobb not to call me the calls stopped. i did not give them permission to call my cell phone. i did not give permission for XXXX XXXX nor XXXX XXXX to give my personal information to personnel i do not know. 

XXXX did not tell me they were putting the alleged debt on my credit report. i disputed the debt and it was not removed. 

Prior to XX/XX/2018, representatives from maury cobb law office has threathen to sue, garnish wages and bank account. 

prior to XX/XX/2018 i tried to make payment to maury cobb but they wanted to charge me a XXXX fee for using my credit card. i called yesterday and made a payment under the condition the collection will be removed from my credit report. the maury cobb representative stated the collection will be removed.. he said i had to call XXXX XXXX XXXX XXXX said they will report to the credit bureas but collection will remain. maury cobb said collection will be taken off. i told XXXX i only made payment as a condition of removal.