davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NE)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RWLS Mortgage LLC (GA)

RWLS XXXX LLC bought my mortgage from XXXX maybe XXXX or XXXX Companies ago. XXXX XXXX Mortgage was working on a modification of the loan and a reduction in principle. The problem with the proposial was it required a large down payment it was suggested a smaller down payment with different terms. The property was set for sale XXXX XXXX 2015 and in the XXXX they stated that that RWLS would not approve any modification and the property would be sold. I later received another assignment of transfer to XXXX XXXX mortgage company and in mid XXXX I received a statement from them the reenstatement amount was XXXX and the date to pay had passed and no other representative would discuss the matter. On XXXX XXXX 2015 I received a 3 Day notice to vacate the premises from XXXX XXXX XXXX still listing RWLS as the Lein holder. I am not an attorney but something is not right. I believe there is a process and dont believe it is being handled correctly
Consumer complaint received 2023-10-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (VA)

I checked my credit today and there's a collection input from NCA, a debt collection agency for a debt in thr amount of {$1900.00} from XXXX XXXX. I've disputed that debt several times and I've never received any phone calls nor emails nor mailings from NCA. However according to my credit report, NCA posted on my credit report that I opened the account with NCA in XX/XX/2023. Which is a lie. That debt with XXXX XXXX is more than XXXX XXXX XXXX. NCA is reporting fraudulent, misinformation, wrong information on my credit report without my acknowledgement. I would like third removed on my credit report. I do not owe NCA any monies. They've never contacted me and I did not open nor obtained any loans from them in XXXX.
Consumer complaint received 2023-09-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Unfortunately, my mortgage was involuntarily transferred to Carrington. I am XXXX XXXX XXXXXXXX veteran. 

I was behind payments due to covid ( I was XXXX ) and I had it worked out with XXXX XXXX. My loan was transferred to Carrington and the amount due seemed to have tripled.

I currently have a 2.5 interest rate and all Carrington offered is to increase my interest to 7.6! Instead of just putting the past due on the end of the payments. Even the rep I spoke with that works there couldn't believe they are increasing it that high ( which will increase my payments XXXX a month )! I don't know how this is legal. 

I had until XX/XX/30 to pay the past due of XXXX ( I have screen shots stating that ) which I planned on doing. Two reps I spoke with advised me that I am good until XX/XX/30 and I was so worried they would try something sketchy before then. 

On XXXX I made a XXXX payment online ( more than half of what I owe )- they posted the payment and then shut off my ability to make online/phone payments. I called today to see why I can't make payments online and was told since I didnt agree to the loan modification I no longer have until XX/XX/30 to make the payment and I can go in foreclosure at anytime. 

They really do not want people to pay their debt. They would rather take my home. I am XXXX XXXX XXXXXXXX veteran, single mom of XXXX making payments to keep her home and they are doing everything to make it as hard as possible.
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (UT)

I am being charged for the same thing twice, once by the Doctor and once by the Hospital for an ER visit. 
XXXX XXXX XXXX XXXX XXXX - {$870.00} est. ( XXXX XXXX ) code XXXX XXXX XXXX XXXX XXXX XXXX - {$1700.00} est. ( Hospital ) code XXXX There was only 1 visit.. what is the diff between XXXX XXXX and XXXX? 
Simple XXXX XXXX, XXXX, XXXX  {$440.00} est. XXXX XXXX XXXX XXXX  ) code XXXX Simple XXXX XXXX, XXXX, XXXX  {$1100.00} est. ( Hospital ) code XXXX And plus Office / Outpt visit, new, XXXX  XXXX {$480.00} est. ( REP CC ) I went to the ER for a XXXX XXXX XXXX XXXX XXXX, got stitches  and that was all. How can the Doctor and the Hospital charge me for the same thing? 
The insurance companies EOB show these charges and my responsibility was for the full amount on it all. This is not a fair billing system and I should be able to get the double charges removed. No one is willing to work with me about this matter.
Consumer complaint received 2017-02-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Alabama Housing Finance Authority (AL)

I have been working with the mortgage company for months to complete a pre-foreclosure sale. My home was initially placed in loss mitigation due to divorce. My husband occupied the home and then left it without telling me. Because it was so far behind when I found out he left, I was unable to catch the payments up. My only option was to sale. It took forever to get to the point that we could accept offers due to me having to wait for the home to be awarded to me after the final divorce. I had an offer on the home and it fell through due to the buyer being tired of back and forth from the mortgage company. Now, I have XXXX buyers but the mortgage company is saying it 's too late to move forward. Why is the sale not being postponed? I have worked with the mortgage company since the day I found out the payments were behind. I 've submitted everything they 've asked for. I 've even asked if I can get back into the house some way. I can not afford to have a foreclosure on my credit. How can I stop this foreclosure and continue to get my home sold?
Consumer complaint received 2017-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

I mailed a check to Navient on  XXXX   XXXX ,   XXXX  . The check cleared my bank account on  XXXX   XXXX ,   XXXX  .   I checked my student email today, and there was an email from  XXXX   XXXX  stating my account was past due an d may impact m y credit.   I called urgently today at  XXXX  to remedy the situation, stating I paid, and they said I mailed it to the wrong place. They said they could bring my account up to date, that I would need to mail them a copy of the check clearing my account, so I said I would and I thanked them. He said it was reported to my credit two days ago, though. That frustrated me because the payment cleared my bank account. Then he reiterated what needs to happen to fix it.   THEN, I received a recording stating I agreed to go into forbearance. I disagreed, because that is not what needed to happen and asked to speak with a supervisor. The supervisor said I needed to go into forbearance or allow my account to remain past due. This is unacceptable for someone who has paid her bills, the checks have cleared, but they did not apply it to my account.
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIRST PORTFOLIO SERVICING INC (SC)

XXXX XXXX XXXX has reported false and incorrect information on all 3 credit reports, this is unprofessional for a company to falsely reported incorrect information on my credit report, I would like to have this false incorrect information to be removed from my credit report. The credit card was closed on XX/XX/XXXX with REVVI, I haven't opened any account with XXXX or REVVI on XXXX I don't understand why this company would report incorrect information knowing that's its false.
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

The first dispute with XXXX XXXX XXXX was already closed and they stated that they closed the account and sent it back to the XXXX XXXX XXXX. They stated that the account would be removed from my credit report and to allow time for this to be processed. However, it was not removed from my credit report ( date of last activity was in XXXX ) and they have started leaving voicemails all over again. This account was illegally re-aged to appear as a new negative account as of XXXX although the date of last activity was in XXXX.
Consumer complaint received 2023-06-12
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. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, and XXXX XXXX XXXX XXXXXXXX. 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. 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 2016-11-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ALCHRO INC. (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIRST PORTFOLIO SERVICING INC (SC)

Revvi Credit Card Closed my account on XX/XX/XXXX, I recently received an alert from all three Credit bureaus that I just opened up an account with them on XX/XX/XXXX, this is unacceptable and unprofessional for this company to report incorrect and false information on my credit report, I did not opened any account with this company on XX/XX/XXXX.
Consumer complaint received 2022-12-12
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX  credit report inquiries without my consent. XX/XX/16 through XX/XX/XXXX as of XX/XX/XXXX were not my inquiries
Consumer complaint received 2022-12-12
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: SYNCHRONY FINANCIAL (OH)

XXXX credit report inquiries without my consent. XX/XX/16 through XX/XX/XXXX as of XX/XX/XXXX were not my inquiries
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (MO)

Hunter Warfield, in response to my first CFPB complaint, presented incomplete verification and falsified statements ( claim that they provided me with signed documentation ) for my obligation and completely ignored the original problem which is their failure to provide me with proof that I owe this debt. I attempted to handle this matter via phone the first time it appeared on my credit report and was met with rudeness and unprofessional behavior. They failed to provide documents to me when I requested them over a year ago, removed the item from my credit report, THEN re-inserted it in XX/XX/2017. They have provided no proof that they complied with my request for validation and claim to " verify '' this debt via CFPB by providing an illegible copy of a contract from another creditor. At the bottom of a list of false charges from the original creditor, it states that the original creditor has written off the debt. Therefore, since I have signed no contract with Hunter Warfield, and the original creditor has written off the falsified charges, I have no obligation to pay Hunter Warfield or their inflated charges. In addition, they violated a cease and desist letter which clearly stated communication must stop and no damage was to be done to my credit report because they failed to prove my obligation and I do not owe this debt.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed XXXX tax liens on my trans union report several times they are released and paid { which i did not owe } i called the the state of West Virginia they told me that the credit bureau did not verify my tax liens because they can not give out that kind of information. These tax liens have hindered my credit report and me of establishing credit.they should have never been placed on my credit report.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

I had a XXXX XXXX account in XXXX. It was first reported delinquent in XXXX. The account was paid and should have been removed from my credit bureau in XXXX. ( 7 years after it was first reported delinquent. ) It is STILL showing up on my credit bureau in XXXX ... 13 years later. This needs to be removed from all XXXX credit bureaus ... Transunion, XXXX and XXXX.
Consumer complaint received 2023-02-27
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. (RI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

ACCOUNT : XXXX ( XXXX ) ACCOUNT : XXXX  XXXX ( XXXX ) ACCOUNT : 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. Section2, also states a consumer reporting agency can not furnish an account without my writing.

15 U.S.C. 1681 C ( 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 2022-12-12
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. (CA)

Equifax has violated my rights red handed and LIED shamelessly to the CFPB on a previous closed case in which they gave an answer they did not honor. This is a violation of my rights with civil fund penalties now needed per violation. I must be compensated for this by law sec 1681 and others state this black and white. this is also perjury. 

I will be showing this to the appropriate offices until compensation and accurate deletion is finished. I will not stop so keep closing these and I will escalate higher each time. 

Ive attached the closed response XX/XX/22 stating items were deleted and they lied only to avoid a open CFPB complaint they must response to. The credit report from today XX/XX/22 clearly shows they did not do it as stated and by law. 

ONY COMPENSATION PLUS DELETION WILL SUFFICE AT THIS TIME! 

XXXX old case showing violations XXXX THIS IS A NEW CASE AS WELL TO FIX SAME ISSUES.
Consumer complaint received 2016-12-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Results Unlimited, Inc. (GA)

This company garnished my wages for a 2 party debt after I paid the amount that I owed.I contacted the company to let them know they had already garnished me for {$1700.00} and that the other party to the debt owed the rest and was told by XXXX that it did not matter, so I asked for a manager and the manager XXXX advised that they would continue to collect the debt regardless although I paid what I owed already.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (OH)

Chase gave me an offer through their banking app for a chase slate card saying it was already approved and then declined my application after I accepted. Now I have a hard pull on my credit report and didnt even get the credit card. Chase has refused to help. They are lying to consumers in order to increase credit card application rates.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items or information. Any other adverse item of information, other than records of convictions of crimes which anedates 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 2023-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (MS)

I recently filed a complaint on XXXX for my XXXX account 3rd party debt that I don't have any knowledge of. Now I'm filing a new complaint for XXXX account I have no knowledge of this account I am requesting sign documents.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (VA)

I recently received my credit statement showing a minimum payment of {$250.00}. Because I can not afford to pay the full amount, there is a monthly fee of {$37.00}. In the terms and conditions, the credit card stated there was a minimum payment of {$25.00} This amount is abusive and the original balance has quadruple within a year 's period.
Consumer complaint received 2023-05-21
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. (OH)

In accordance with the Fair Credit Reporting act 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.