davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS SEVERAL LATE PAYMENTS REPORTING ON MY CREDIT FROM XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY BANK XXXX XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (UT)

Midland Funding # XXXX is reporting a collection to my credit that I do not owe. I never received my 30 day right to dispute notice for this account, and when I saw it was on my credit I paid it off immediately. This account is paid and should no longer be reporting a balance, and they are in violation of my 30 day right to dispute.
Consumer complaint received 2022-02-22
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. (CA)

XXXX XXXX XXXX XXXX check, AC # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$120.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$870.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount XXXX XXXXThis account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am disappointed about the fact that I have initiated so many attempts to try and reach out your company about this concern- which none has been resolved so far. I don't know if this is intentionally ignored, but I am more down than I have been the past years because of these inaccuracies affecting my credit scores.
Consumer complaint received 2024-08-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (GA)

there are several accounts on my credit report that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER PURCHASE A CAR FROM THEM THIS IS FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1STB PROGRESS XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TOWNE MORTGAGE COMPANY (GA)

XXXX XXXX reported to the credit bureaus that my payments for XXXX and XX/XX/year> as 30 days late. I have not made my payment 30 days late. Also, XXXX Mortgage has increased my payments from the signed contract amount. My mortgage amount is now {$2600.00} which I never agreed to pay. This fee is not a late fee amount. My contract clearly states that my monthly mortgage is {$2400.00}. I should not have to pay any additional amount other than my contract amount unless I am paying a late fee.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX ( XXXX XXXXXXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX XXXX ) Account # XXXX, ( Department of Treasury ) Account # XXXX, ( Department of Treasury ) Account # XXXX, ( Department of Treasury ) Account # XXXX, ( XXXX XXXX ) Account # 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 a account without my written instructions
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I moved out of my apartment complex ( XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX. I received a Final Account Statement that stated I was owed {$95.00}. I received the {$95.00} by check in the mail. I contacted XXXX XXXX XXXX XXXX XXXX to confirm that I did not owe anything further. They confirmed. Fast forward to XX/XX/XXXX XXXX XXXX after my lease was over ) I was contacted by XXXXXXXX XXXX XXXX claiming that I owe them XXXX on behalf of XXXX XXXX at XXXX XXXX for unresolved payments. I received no notice in the mail/e-mail, until XXXX XXXX XXXX called . When I called and talked to the apartment complex they had no information on why these chargers would exist. The XXXX XXXX XXXX has not sent any notification and I believe this is a scam.
Consumer complaint received 2020-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONS DIRECT MORTGAGE, LLC (FL)

Let me start at the beginning, that works best. 
On XX/XX/18 I received an appraisal of {$71000.00} to buy the property my wife and I own at present. On or about XX/XX/18 we closed on the property and the loan balance at that time was {$63000.00}. 
By XX/XX/18 we had made additional payments on the balance of the mortgage and reduced the balance to {$57000.00}. Also by XX/XX/18 we had put a new shed ( {$5000.00} ) on the property and installed a new laminate wood floor ( {$2000.00} ). The new balance was about 75 % of the appraised value of the property. 
On XX/XX/18 I made a written request and email request to the lender to cancel the PMI for the mortgage because the balance of the mortgage was less than 80 % of the appraised property value. The lender responded that I must have a certified appraisal done in order to have the PMI canceled. The lender also informed me that the new appraisal would be valid for a period of 12 months. When I sent the lender my appraisal it was less then 6 months old, but the lender would not accept my appraisal. On the one hand the lender will not honor my appraisal that is less then 6 months old, but will honor their appraisal for 12 months. 
Since that time I have paid the PMI and made additional payments to the loan balance. To date the balance is about 32 % LTV. When I contact the lender I get the same song about a new appraisal to cancel the PMI. 
We are living in the home and made it comfortable since it is our only property. We are paying taxes on the property and all utilities are connected. 
I feel like the lender is being unreasonable and charging the PMI without regard to the terms of the mortgage. Also they have one standard for the appraisal they would provide and another standard for the appraisal that I provided in order to get the mortgage. 
Your help is requested to have the PMI canceled and a refund made of the premiums from XX/XX/18. 
Thanks XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been a victim of identity-theft on XX/XX/XXXX and from that point on, I have been battling with unauthorized accounts being opened in my name, which one of the accounts was opened on XX/XX/XXXX, which is XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and a 30-Day late payment, which was unauthorized by XXXX XXXX XXXX XXXX XXXX which is on a mortgage account on my credit file. These discrepancies are violating my rights under 15 USC 1681b and 15 U.S. Code 1681c-2. Therefore, Equifax is violating my rights and is still reporting these fraudulent accounts/ discrepancies on my credit file, which is a violation of my rights. Also, I have disputed these account several times, and when I called in a numerous of times, the representative says that they do not have my documentation that I sent in overnight certified mail, where I do have tracking numbers. Therefore, there is some unnecessary processes going on with Equifax and if these accounts are not removed from my credit file, then I will be filing a lawsuit and seeking damages of {$1000.00} per occurrence. Please correct this issue and comply with the law. Thanking you in advance!
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (FL)

Hello I am doing this complaint because I have old accounts and collections and the companies are constantly illegally reaging the accounts I've had no contact with them directly and no reason for them to keep free aging the accounts on top of that they are constantly reporting late payment history on the accounts further damaging my credit history I am legally XXXX I don't make much money and these accounts are severely hurting my opportunities to be able to rent or purchase a decent home for my child to have a happy life if you guys can please help me with this it will be greatly appreciated because he's collection companies now and days don't care how badly they ruin your life I was a victim of identity theft and that hurt me quite a bit as far as my credit history goes and it's been very difficult to fix the problem on my own because I do not have funds to pay somebody for credit repair
Consumer complaint received 2020-01-14
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. (IL)

Im reaching out because on the dates of XXXX, XX/XX/XXXX, and XX/XX/XXXX, I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer.This is an automatic FCRA violation of not properlyhanding my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
Collection Agency : XXXX XXXX Original Creditor : XXXX XXXX XXXX   Open Date : XX/XX/XXXX Balance : {$2000.00} Collection Agency : XXXX XXXX  Original Creditor : XXXX  Open Date : XX/XX/XXXX Balance : {$230.00} Original Creditor : XXXX  XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2700.00} Also, I know they are reporting addresses that I have never lived at.
Consumer complaint received 2020-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (CA)

The Receivable Management Services reported to the credit bureaus a derogatory collection on my account XX/XX/2019. I did not receive any correspondence by way of mail or a phone call before they reported to the credit bureaus. As soon as I found out about the derogatory reporting to the credit bureaus, I sent a letter XX/XX/2019 to Receivable Management requesting validation of this debt with competent evidence bearing my signature. I received a response letter from them just stating that I had an amount due with no validation of the debt. I again sent another letter XX/XX/2019 requesting any viable evidence bearing my signature showing the account being reported accurately. Again, they sent a copy of the first response with no validation that I owe any debt to Receivable management.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my Transunion credit file on XX/XX/XXXX, I noticed continuous soft inquires from XXXX starting XX/XX/XXXX. I immediately tried to contact XXXX, which does not have a customer service number, so I emailed them. I explained by dilemma to the representative and was advised that I would have to create another account with them and provide them the ID assigned to this account, and that they would locate the other account using this info. In addition, would take 5 days to remove the account. I followed up on XX/XX/XXXX to advise there were still soft inquiries showing on my report. A representative advised that they would be deleting both accounts and blacklisting my social security number. I then reached out to Transunion to inquire how they allow anyone to use 3rd parties to gain access to my credit file. The only explanation I received was that soft inquires do not impact my credit file. While I am passionate about my credit rating, I have significant concern with someone have visibility into my credit report. Please assist as I fear this can happen again.
Consumer complaint received 2023-05-24
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. (FL)

I have been trying to get this issue resolved since the middle of last year XX/XX/2022. There are fraud accounts that are reporting that the companies keep verifying but fail to send me the steps or proof of how they verified thus information. As a consumer I have rights and I know that what the companies are doing is illegal. Per 15 USC 1681B If i state an account isn't mine it must be removed. AGAIN No one has sent me a wet signature confirming that it was me who created these fraud accounts! This is distasteful and I am going to take legal action if this matter isn't finally resolved once and for all.
Consumer complaint received 2023-05-15
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. (FL)

This is a XXXX XXXX debt which was disputed by me in XXXX XX/XX/XXXX I paid XXXX and owed another XXXX usd but due to covid they sold this debt for XXXX usd to resurgent in XX/XX/XXXX, XXXXXXXX XXXX  never wanted to collect the money from me and i also asked for statements repeatedly but never got XXXX. Resurgent is forcing me to pay XXXX usd as owed and i had written various letters to resurgent asking for statements but they have not, they have put derogatory status in my credit reports and incorrect reporting causing me to have a bad score and bad repute which has affected my mental health
Consumer complaint received 2023-01-17
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: Bread Financial Holdings, Inc. (CT)

Hi I made a purchase on XX/XX/2022 off XXXX XXXX I tried to reach them with no success. I found out it was a fraudulent company through another company. I never received the item so a called in XXXX before the 90 day cut off. I never received a provisional credit for the purchase. I was told it would take XXXX to investigate the dispute. I called after the 90 days because I was never credited. I was told they are still investigating. I spoke to several people including XXXX supervisors XXXX, XXXX, XXXX and XXXX and got no where. I am on the phone with yet another supervisor XXXX  and getting no where again. He wants me to put in another dispute and wait another 90 days. I just want my {$140.00} back. This is ABSOLUTELY UNACCEPTABLE. How many times do I have to call to get my money back. He put another dispute through this time someone gave me a reference number XXXX. I have not receive any mail or emails regarding the dispute. I sent several message through my online for the credit card and also did not get any where with them. Please help me get my money back it is not a lot of money, but it is my money. This company has made so much money on me for finance charges and I was always a good loyal customer that was never late. 
Thank you XXXX
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act XXXX accounts # XXXX, XXXX has violated my rights 15 u.s.c 1681 section 602A states I have the right to privacy.

15 u.s.c 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Starting on XX/XX/XXXX and for one to two days after, approx. {$6000.00} in cash transfers were initiated without my approval, nor were they me. 

USAA was contacted, as they have every time an issue has since happened. 

My profile was hacked, a new card was being sent, and the address was changed for it to go to Florida.
Consumer complaint received 2023-01-17
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. (TN)

Equifax has been listing me as deceased on my credit report despite multiple phone calls and certified letters informing them that XXXX XXXX and XXXX XXXX  have mixed my deceased fathers accounts with mine. These accounts are : XXXX XXXX # XXXX and XXXX XXXX # XXXX. I have sent them proof of life including my current XXXX passport, social security card and my current utility bill but they have failed to remove these XXXX inaccurate accounts. I have attached a photo of these XXXX accounts from my most recent credit report ( XX/XX/XXXX, Confirmation # XXXX ) along with XXXX of the past certified letters sent XX/XX/XXXX. Despite my requests and evidence to prove this is a mix file and I am not dead, Equifax has ignored me, continued to list me as dead and violated my FCRA rights.
Consumer complaint received 2023-12-29
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. (GA)

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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter Business Service, Inc. (NH)

Carter Business Services is still reporting medical debt of less than {$500.00} on my credit report which is no longer supposed to be happening in 2023 ( see XXXX XXXX XXXXXXXX  ). I opened a dispute with XXXX and asked them to remove this debt in accordance with the 2023 changes in credit reporting but they did not remove it and said that the debt in the amount of {$320.00} was " verified with Cater Business Services ''. The original creditor was XXXX XXXX ( an ambulance service ).
Consumer complaint received 2023-05-24
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. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account.