davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I decided to get copies of all three of my credit reports on XX/XX/XXXX. After reviewing all three copies I noticed on two of them that there was a collection account. The collection account is listed as Midland credit management is the amount of {$490.00} I have checked and searched profusely to try and find any bills or records that support this claim but to no avail. I realize now that this is the same account that I have disputed several times twice in XXXX. The first dispute was in XXXX of XXXX and the second one was in XXXX of XXXX. 
After the disputes I received emails stating that the listed accounts are accurate with no change in the listing. I have yet to receive any proof with my name, address social, etc. I would like to have this negative information removed completely.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Paid off auto loan appearing in my credit reports. I submitted dispute with XXXX  and pending response. 
My complaint is with Equifax 's online dispute process. I have attempted to submit dispute but their system continuously claims no internet connection. I have used mobile and wifi connections and in both instances I get a " no connection '' error response. I have attempted dispute in different dates and locations and response is the same.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My consumer Right 's have been violated15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c8 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates.15 USC 1681 ( a ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy
Consumer complaint received 2019-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (WA)

XX/XX/2019 I financed a mattress from Matress Firm via Synchrony credit. I never received a card in the mail. My payments were due starting in XX/XX/XXXX. I have had to call each month to request a card. XX/XX/XXXXI called and they said a new card was issued. I am unable to set up an online account because without the physical card they say they can not provide that information over the phone. It is now XX/XX/2019 I still did not receive my card. I called again and the rep said a card was issued in XX/XX/XXXX. So every time I have called they have done NOTHING. I cant see any information about my account and I feel like they are running a scam because its been 4 months and as the consumer I cant see anything thats not right
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX 11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2019-12-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TX)

the date they have as the opening date of the account is wrong, they indicated that i had the debt in XX/XX/2014 which was wrong, it was way before that and they refused to send the copies of the documents i signed
Consumer complaint received 2020-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I am In litigation with Select Portfolio Servicing whom foreclosed on my home however violated consumer protection laws Indurance les holding insurance proceeds without applying to my mortgage. Placing forces placed home owners insurance while i had private purchased homeowners. For 7 years sps refuses to modify my mortgage violating my rights under FTC laws Unfair deception abuse practices using political points blaming presidents for not being able to sue loan modifications. Perfusly staying they did not receive required documentation. All while under Bankruptcy I was placed into a chapter XXXX without my knowledge. Please someone help me.
Consumer complaint received 2020-03-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My credit card was compromised and fraudulently charged. Neither I nor anyone I know authorized the transactions, I never get any benefits out of it. I notified Bank of America as soon as I found out the charge from banks website. Bank of America closed the claims without even hearing back from some of the merchants and not giving me any written proof. Since I didnt create those orders, merchants couldnt help and asked me to contact the bank. 
I need to get my money back on those fraudulent charges and I would like the bank to reopen the claims # XXXX, # XXXX, # XXXX and provide written detail of the proof that I am responsible for these fraud charges. 

XX/XX/XXXX XXXX  {$39.00} XXXX Package sent to my address with fake name returning to merchant XX/XX/XXXX XXXX  {$10.00} XXXX Package sent to my address with fake name returning to merchant XX/XX/XXXX XXXX  plus {$29.00} XXXX Package sent to my address with fake name returning to merchant XX/XX/XXXX XXXX XXXX XXXX   {$180.00} XXXX Never receive anything XXXX XXXX   {$80.00} XXXX Never receive anything XX/XX/XXXX XXXX   {$100.00} XXXX Never receive anything XX/XX/XXXX XXXX XXXX   {$190.00} XXXX Never receive anything
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

After sending a lot of Dispute Letters and FTC reports, these unauthorized and fraudulent inquiries are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding these unauthorized and fraudulent inquiries that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2023-02-04
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. (VA)

I ran my equifax report after receiving a notice that there was a data breach. I noticed several inquiries that I did not initiate. I contacted those companies and each explained that they do not have my information in thier system and show no record of me. They said I didn't to dispute through the reporting agencies. I called Equifax and after a very long g process of validating my identity they explained there is nothing g they can do and they do not dispute inquires and they can not help. The FCRA doesn't apply and they may fall off or they may not. 

I the FCRA clearly states that if information is incorrect that I very much have a right to dispute it. 

The inquires in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To whom it may concern, I made a mortgage loan application with Bank of America on XX/XX/XXXX to purchase a home. 
Per my real estate contract, I was to close on XX/XX/XXXX. 
When I inquired about my loan status as we were getting close to the closing date, I was told that the Sellers Realtor had not returned the appraisers call to schedule the inspection. After this went on for about a week, I called the Sellers Realtor and she said that she had not received any call from anyone to schedule an appraisal for this home. I advised Bank of America of that and after we traded a number of calls, and a week had passed, they finally admitted that no one had made a call to the Realtor.  Basically, I had been lied to repeatedly for that period of time. 
Then Bank of America told me the real problem was that their appraisal firm that they use was having a hard time finding an appraiser in that area. That seemed to be hard to believe because 694 homes were sold in XX/XX/XXXX in that immediate area and I doubt that they were all cash. Other lenders clearly were able to find appraisers. 
The day before the scheduled, contracted closing, I was told that they loan would not be ready to close, and Bank of America asked if I could delay the closing by a week. I got with both sets of Realtors and the sellers agreed to amend the contract and close on XX/XX/XXXX and not XX/XX/XXXX as per the original contract. 
The next week was no different. Now after the original scheduled closing that did not happen and was subsequently rescheduled for XX/XX/XXXX, for the very first time Bank of America was asking me for some new additional documentation and some work to be completed on the home prior to closing. Needless to say, the loan did not close as re-scheduled on XX/XX/XXXX either. The day before the second scheduled closing I had to make arrangements to borrow against my stocks to close per my real estate contract. 
The saga continued from there. Bank of America suggested that I apply for a XXXX XXXX Delayed Purchase Loan. Since I had so much time and effort with them that is what I did and I just closed the loan on XX/XX/XXXX, four months after I started my application. 
This was a complete fiasco from beginning to end. I was lied to, mis-informed, closing dates were missed or completely abandoned at the very last minute. I could not find anyone within Bank of America that cared. 
Based on all of the above I would like to file a formal complaint with the CFPB. If you have any questions or require any additional information, please contact me. 
Respectfully,
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I called up the credit reporting company. 
I had ask them to investigate the amounts shown. 
They said it was updated but the balance is the same. 
You can see that 15 Payments were made but not deducted from the balance. 
XXXX was my Payments at that time. 
I am on full XXXX XXXX due to a XXXX  XXXX XXXX  that was done twice. 
Please help..
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I called up the credit reporting company. 
I had ask them to investigate the amounts shown. 
They said it was updated but the balance is the same. 
You can see that 15 Payments were made but not deducted from the balance. 
XXXX was my Payments at that time. 
I am on full XXXX benefits due to a failed XXXX  XXXX  that was done twice. 
Please help..
Consumer complaint received 2020-03-02
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: Experian Information Solutions Inc. (AL)

This is an attempt to correct my XXXX, EXPERIAN, and XXXX credit report ( s ). I have identified fraudulent accounts and inquiries on my credit reports. These are a result of identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$510.00} Inquiries : XXXX XXXX XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.
Consumer complaint received 2020-03-02
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. (AL)

This is an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I  have identified fraudulent accounts and inquiries on my credit reports. These are a result of identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$510.00} Inquiries : XXXX XXXX XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.
Consumer complaint received 2020-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (OH)

Notified the servicing company on XX/XX/2019 that I had been downsized and was unable to make payments on my home. I was looking for a short sale solution. No response. Researched their website and found the application for short sale. Completed and submitted the form with requested attachments. Finally got some response from the servicing company and they arranged an  appraisal. By the end of XX/XX/XXXX we had an approved short sale agreement which expired XX/XX/2019. Repeatedly contacted servicing company to set a short sale target price. No response from anyone. Left both voice and email messages. Short sale agreement expired on XX/XX/2019 with no reduced price. Signed with a new realtor and suddenly was sent a copy of the appraisal from the servicing company.  The realtor reviewed the appraisal and set a short sale target price himself. Still no input from the service company. I resubmitted a short sale application. We received 2 offers on the home. The second short sale application was approved on XX/XX/2019. Offers were submitted. I was told they would process in 30 days. That did not happen. Early in XX/XX/XXXX I was served foreclosure notification. In spite of repeated attempts I still can not get a response from the servicing company on the short sale offers. The realtor has had a similar experience trying to get information from the servicing company. Not sure what to do next. The total lack of communication from the servicing company leaves me in an untenable position.
Consumer complaint received 2019-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Hard to include dates. Portfolio Recovery Calls at least 3 times a week. Today, a sunday!, called before XXXX XXXX. This time I answered. No one there. Clearly a robo call to harass. Never leave a message. One year ago asked them not to call, I was not person they wanted and that I was on do not call list. I hung up, the person immediately called back and said I was rude! Have been calling ever since then. Portfolio Collections evidently know how to bypass " nomorobo '', and do not call by changing their number. However on my cell phone I can stop them by blocking each and every call. Doesn't work at home. Have been calling for at least 2 years! Ignore or tell them not to call. Doesn't stop them.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX, XXXX, and Experian is inaccurately reporting data on my credit report that does not belong to me. I am a victim of identity thief and these companies has been advised with a copy of the ftc report along with a police report. 

XXXX XXXX XXXX shows a past due balance of XXXX XXXX shows a past due balance of XXXX XXXX XXXX   XXXX shows a balance of XXXX Per FCRA accounts that has been charged off should not report with a past due balance. This is inaccurate reporting
Consumer complaint received 2020-03-02
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: EQUIFAX, INC. (AL)

This is an attempt to correct my EQUIFAX, XXXX, and XXXX credit report ( s ). I  have identified fraudulent accounts and inquiries on my credit reports. These are a result of identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$510.00} Inquiries : XXXX XXXX XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Equifax, XXXX, and XXXX is inaccurately reporting data on my credit report that does not belong to me. I am a victim of identity thief and these companies has been advised with a copy of the ftc report along with a police report. 

XXXX XXXX XXXX shows a past due balance of XXXX XXXX shows a past due balance of XXXX XXXX XXXX   XXXX shows a balance of XXXX Per FCRA accounts that has been charged off should not report with a past due balance. This is inaccurate reporting
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX, Transunion, and XXXX is inaccurately reporting data on my credit report that does not belong to me. I am a victim of identity thief and these companies has been advised with a copy of the ftc report along with a police report. 

XXXX XXXX XXXX shows a past due balance of XXXX XXXX shows a past due balance of XXXX XXXX XXXX   XXXX shows a balance of XXXX  Per FCRA accounts that has been charged off should not report with a past due balance. This is inaccurate reporting
Consumer complaint received 2018-10-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Corporation (NC)

I had a vehicle financed with Security Credit Corp. In XX/XX/XXXX, I paid off the loan. Despite that, Security Credit is still reporting to the credit bureaus that I have an outstanding balance. And furthermore, they are reporting that my account is past due. This account has been paid off now for a couple months, and has never been delinquent.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing this due to noncompliance with the CRA ( Experian ) They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

I provided Experian my state id 's with the following address and dates I have resided there : XXXX XXXX XXXX, XXXX XXXX, FL XXXX from XXXX & XXXX XXXX XXXX XXXX , XXXX , FL XXXX XX/XX/XXXX-Current Please remove all other addresses associated with my file.