davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings (WI)

This debt was covered under bankruptcy. I hadn't had any problem with being contacted regarding this debt until the bankruptcy was lifted from my credit report the later part of XXXX I believe. Beginning XX/XX/XXXX is when XXXX XXXX XXXX  began to appear on my credit reports, XXXX, XXXX, XXXX XXXX. By XXXX, I began getting calls then mailings. I disputed the item through the credit bureau at least 2 times now. The first time online, the second time I spoke to someone directly. I explained this debt was a part of my bankruptcy. Also I am a victim of identity theft and I am still having issues with accounts saying I still owe. I still have to get a auto loan that was paid off via my insurance carrier at the time due to an accident but the loan company submitted more money as a write off versus what was actually paid. That's another issue. I've have tax fraud, credit fraud, even bank fraud. I have been signed up with XXXX XXXX and XXXX, and I keep my credit report locked. I had received something a year or so ago regarding a class action suit against speedy cash and other payday loans. I don't know if this issue is a result of that or mis-communication. If able I will attach documents related to my complaint. What ever I can get. Thank you, XXXX XXXX
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Affiliated Creditors, Inc. (TN)

Affiliated Creditors were notified in XX/XX/XXXX by the courts that the charge for {$690.00} was included in my bankruptcy chapter XXXX. I also put a dispute in thru XXXX  XX/XX/XXXX and have recently found that it is on XXXX  when we applying for our house mortgage when they pulled our credit from XXXX. 
Affiliated recently reported it on XX/XX/XXXX when I called them in XXXX the representative told me they have the right to report this until I pay this debt off. 

The other creditor that I put in a dispute for the same reason has promptly removed the derogatory remark off all the credit reports. 

I appreciate your assistance in this manner. 

XXXX XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Good evening, To whom it may concern, My name is XXXX XXXX XXXX, The executor, secured party, creditor and sole living heir to the XXXX XXXX XXXX TRUST/ESTATE . 

I have contacted EQUIFAX numerous times using various methods of communications both written and verbal. My efforts have Been ignored, laughed at, discriminated against, mocked, and by them doing so has caused me pain and mental anguish. The unauthorized use of my private information by EQUIFAX and it's third party associates has not gone unrecognized and I must point to proof of such unauthorized inquiries and accounts. 

EQUIFAX has misled me to believe that they are a Credit Bureau which is in fact the opposite. According to 15 USC 1681a ( d ) ( 1f ), EQUIFAX is a Consumer reporting agency and a Consumer Reporting Agency means any person which, for MONETARY FEES, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

Based on the scope of the definition, it clearly indicates that EQUIFAX is in the business of buying and selling consumer 's private information to third party vendors. Which would make them some sort of financial institution and also dealing in securities and exchange.

Being a private American National and not a vessel of the United States. It is my right to demand access and assess all accounts and contracts that all U.S Corporations has established with the en-legis entity XXXX XXXX XXXX without my written consent. That also includes EQUIFAX. 


The Freedom of Information Act ( FOIA ), the Privacy Act at 5 U.S.C. 552a ( b ), section 1106 of the Social Security Act, codified at 42 U.S.C. 1306, and SSA regulation at 20 C.F.R. 401.100 provides legal authority for disclosure of SSN verifications from SSA records.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Contemporary Information Corp (WI)

XXXX  is reporting an eviction that the courts DID NOT report to them to report. This is Defamation! Yes it is public information BUT they did not get my CONSENT to Publicly share my information or report it. This is ruining my reputation and I am liable to SUE for damages, they have violated the FDCPA and that makes them liable under 15 USC 1692k Civil liability.
Consumer complaint received 2020-03-31
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. (LA)

I contacted XXXX, Experian, and XXXX  in XX/XX/XXXX via certified mail and initiated a dispute because I am a victim of identity theft. I received my disputes back and the accounts were block from my credit files. An Account listed as XXXX XXXX Acct in the amount of {$6200.00} was placed back onto my credit files showing 47 late payments/Charge Off with 9 on times payments. I followed up with the bureaus about it and wanted to know why the account was replaced back onto my credit reports. Experian stated the company provided them with proof, so I asked them to provide me with any banking accounts or debit cards that made payments to XXXX XXXX. I never received anything from the bureaus or XXXX XXXX. Today Experian alerted me that XXXX XXXX added another late payment on today XX/XX/XXXX to the fraudulent account listed onto my credit reports. I have proof that the account was deleted/blocked from all three credit bureaus. I was never notified by any of the credit bureaus that the account was going to be reinstated on my credit reports or why.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2020-03-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WA)

I am in process of doing a Chapter XXXX bankruptcy. My loans were originally with XXXX  XXXX XXXX, they transferred or sold the loan to Specialized Loan Servicing. The problems is that no matter how many payments I make, I am never up to date per them or their system. Since I am going through a bankruptcy they state that they can not provide me with any paperwork on my payments, except through some special request process and it can only go to my lawyer. I have not put this loan in the process and I having been trying to pay my XXXX and XXXX payments, and now they are stating that I owe them from XX/XX/2019 and to become current it will be over {$6000.00}. dollars. I have no idea what is going on why they are saying this and how to make this work as they will not work with me. Please help me, I am already fighting through devastating financial issues and each time I think oh I have a soultion, then another issue comes up based on the fact that I can't fact check or see any kind of information about the amount of money that I owe.
Consumer complaint received 2020-03-19
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/2019 statement. XX/XX/2019 I REPORTED XXXX AS UNAUTHORIZED CHARGES {$170.00} & {$170.00} USAA NEVER SENT ME DOCUMENTATION ON THESE WHEN DID USAA INVESTIGATION COMPLETE??? WHY HAVE I NEVER BEEN NOTIFIED RESULTS OF THE INVESTIGATION? PLEASE SEND ME WRITTEN DOCUMENTATION OF COMPLETED INVESTIGATION.
Consumer complaint received 2020-03-19
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)

Equifax is reporting a XXXX XXXX account with a balance still owing, but this debt was dismissed without prejudice in court. I filed proof of this document from the court, but they are still reporting it with a balance due. It should not be reported at all and not with a balance owing. I will attach copies of documents if I can here to this complaint. Thank you.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CA)

In XX/XX/2017, I began a 3 year lease and set up an automatic payment with GM Financial with my checking account. For the 3 year period, I made payments as planned. The last few payments I made were not accepted by GM Financial. They claimed that a tax change to the lease changed the payment amount so they could not accept payment. When they began calling from unknown numbers, I was traveling and did not pay attention to this until a few weeks later. 
GM Financial refused to accept payment and reported to the credit bureaus that I was missing payments. This should not affect my credit score and I asked GM Financial to rectify the error. Even though the remaining lease amount was paid in full before the end of the lease, they refuse to even make an attempt to change my record. 
I've disputed the issue with the credit bureaus and most I've heard back is that GM Financial told them that the erroneously reported late payments are correct. 
I never missed the lease payments and was making them on time. GM Financial is at fault ( if anybody ) for refusing to accept my payment, but they took it a step further by putting a negative mark on my credit report. I should not have bad credit for missing phone calls. 
Attached is a statement from the beginning of the lease showing an auto payment deduction from my checking account.
Consumer complaint received 2020-03-19
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)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2020-03-31
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. (AZ)

I have several complaints with all 3 public and 7 private ID companies. Failing to remove errorneous information. reselling information, the existance of sub CRAs- which is unlawful circumvention of federal law ( FCRA ) ... refusing to remove erroneous info- illegally using eOscar ( a known gimmick ) to " verify '' debts which were robosigned by companies to begin with. harassment and robo calling about debts. Nothing is ever verified, no status or system or means of challenging this is even given to the consumer..consumer is ruined on reaged debts that the bureaus have made contact on. Creditors do not get the message that the consumer did NOT contact them in any way. This is a XXXX XXXX XXXX  scam. My debts are not owed by me, were challenged years ago. I continue to be extorted and denied credit and a place of residence due to this. FEDERAL INTERVENTION IS NEEDED. NON COMPLIANT.

contacting creditors and posting incorrect purchase dates on debts bought.

refusing to comply with several complaints filed over the past 4 years on these matters, then barring future complaints- when the original complaint was never resolved.

Dates on debt purchase are not accurate- happened months previous, paid pennies on the dollar but demads 3x the actual debt owed. I have the right not to be extorted for refusing to pay such debt extortion. If the debt was resold for 3c, I dont owe 1.5 dollars on it. Any lawyer will tell you this. XXXX XXXX has been contacted previously to this connunication.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. ()

15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (UT)

XX/XX/XXXX -Opened mail and noticed I received a Chase Freedom card with my name on the account. Called Chase Card ( XXXX ) XXXX and was on hold for 3 hours. Finally when rep came on the phone I told him I wanted to submit a claim for a fraudulent card being opened with my information and asked to speak to the Fraud Department. The customer service rep asked, Why dont I just keep the card? I told him, Because its fraud! I never applied for it! Waited 48 more minute and line got disconnected during the transfer to Fraud Department. 

-Went to XXXX and noticed a hard inquiry listed as : JPMCB CARD Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX -Registered my name and husband 's name to stop prescreened credit offers on XXXX -Came to CFPB website to submit a complaint XX/XX/XXXX Send a certified letter to Chase Freedom Card about the fraudulent opening of credit card.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020, I needed to unlock my Transunion credit report for the purpose of a home equity line of credit loan. 

I logged onto Transunion, and they asked for a credit card number without telling me what it was for. I entered it for identity purposes. I later found out it was was a monthly subscription and was billed for {$26.00}. I find it very deceptive that I was not notified at any moment that I was being billed for a monthly subscription. 

I then went to unfreeze or unlock my account and was notified that I was not able to do so. The agency has reduced its hours due to COVID-19, and I can not reach anyone to unlock my report. 

Unlocking my account should be easily accessible to me as a user, as it is with XXXX and XXXX. Also, customer service should be accessible, which it is not.
Consumer complaint received 2020-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020, I sent money with the service XXXX, through the use of the Wells Fargo application. I had contacted a XXXX user who would sell me a phone for {$250.00}. She asked me to pay through XXXX, which I was not very accustomed to. I thought it would be a safe way of completing the purchase since the service, XXXX, was backed by the bank. This led me to think that the transaction would be completed safely. Upon sending the money, the user blocked my account so that I would no longer be able to contact her. After realizing what had happened, I contacted Wells Fargo that same day in order to learn about what I could do under these circumstances. I spoke with a representative that helped me dispute a transaction ; she informed me that I would be contacted with more information about my dispute. I was never contacted and have been waiting for further assistance to understand what I could do to receive the money I lost. I also contacted XXXX which was able to successfully remove the user from the service on XX/XX/2020. I attempted to contact XXXX but I never heard back from them. Up until now, I have been requesting the money back from the user 's XXXX account, in hopes that the user will return it, but she simply keeps rejecting the requests.
Consumer complaint received 2020-03-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

We are currently in the process of Refinancing our primary mortgage to get a lower interest rate and get rid of PMI. Our secondary insurance has not completed the subordination in a timely manner. every time we call, which has been weekly and sometimes twice a week, we get the same story that the underwriting team is having difficulty obtaining documentation of ownership of our loan. We refinanced our primary mortgage 2.5 years ago to get out of a very high ARM, SPS subordinated their loan in less than 45 days without any issues. This time we are pushing towards almost 90 days since the request and have 21 days left on our third lock rate. If they do not subordinate, we can not extend our lock rate and will lose our lower rate. Every time I call I get the same story from every employee at SPS, they are waiting on underwriting to get ownership of the loan. I have been told that it takes time and gets held up in the courts, I asked why the last time it was done so quickly and now they don't have the proper documentation this time, they say they can't speak on behalf of things that happened in the past. ON XX/XX/20 I was finally able to get XXXX at the " XXXX XXXX XXXX '' office that looked into the account, saw that the old subordination was complete in less than 45 days and did not understand why this time was different. she gave me her direct extension of XXXX which come to find out is not an extension to her, it just goes to the call center. I do not appreciate being pushed aside and lied to. XXXX stated that she was going to send some emails out and further research it on Monday and call me back. XX/XX/20, I have not received a call from any one at SPS about the subordination of the loan. If we are unable to finish the refinance of our primary mortgage we are going to lose the {$570.00} for the appraisal on our home and a {$250.00} lower a month mortgage payment. when I ask to talk with some on in the underwriting department, I am told there is no phone number all the customer service reps can do is document the account and escalate the issue. I have called so many times that at this point the amount of escalations should be on the presidents desk. I asked who the mortgage owner was on the loan as SPS is just a servicer, I was told they could not give me that information. I am tired of being given the run around and not getting any where. I pay SPS every month, on time and this is not fair! 

I have had enough and would like to consider taking further action, but I am unsure who to contact to do so. 

thank you for your help with this complaint.
Consumer complaint received 2020-03-19
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 want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from my credit.