davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
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. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 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 2020-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (OH)

I was working for XXXX XXXX and seized employment in XX/XX/XXXX. I didn't receive notice of my balance owed to the company. I stopped working for this company because I wasn't making enough to support my family. Lockhart Morris and Montgomery contacted me in XXXX but I was unable to make payments at the time. I called them and offered a settlement amount and they declined. Since they declined, I offered to create a payment arrangement and asked for documentation of it and they also declined.
Consumer complaint received 2017-10-12
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: Experian Information Solutions Inc. (FL)

I CONTACTED THE CREDITORS AND THE CREDIT BUREAUS ON THE FRAUDULENT INFORMATION ON MY CREDIT FILES.FIRST I WAS EVER LATE WITH XXXX XXXX, XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX XXXXIS A FRAUDULENT ACCOUNT, WE XXXX   XXXX IS A FRAUDULENT ACCOUNT. I HAVE ATTACHED MY POLICE REPORT PROVING THE FRAUD.
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

During the month of XXXX and XX/XX/2021 received numerous calls from an unrecognizable number and robocalls from XXXX XXXX XXXX  regarding a debt supposedly owed. 
Upon speaking to someone on XX/XX/2021 ( first communication XXXX the person informed me that they were trying to collect a debt/loan from HSBC bank. I asked the amount she told me in the amount of XXXX or more. I did ask the date of the debt but I can not recall the timeframe. I asked for account number to the alleged debt none was provided. She asked my PII such as last four of social, my previous residential address, the last four of my drivers license number. I explained to her that is not my debt and never had an account with HSBC. She asked me did I want to dispute it I said yes. She asked would I appear for court and pay all legal fees I said yes because I do not know what this is in reference to. That was it. No other information from this company was given. 
2nd telephonic communication on XX/XX/2021 I spoke with a XXXX XXXX. I tried to get more information out of him he told me I would only receive something from XXXX XXXX Court and that it will be received via being served to my place of employment or residence. He also verified my PII ( personal identifiable information ). He gave me an account number and then after telling him again that I did not have an account with HSBC he said he would shoot it back to their underwriter to double check the information and that maybe my information was cross matched with someone else. That process was going to take 7-10 business days. I even asked him why haven't I received anything ever from them or HSBC or the XXXX XXXX court which is the response they hadn't approved the " order '' yet, but then checked a system and said it was accepted on XX/XX/2021. 
On XX/XX/2021 I then contacted HSBC in the charge off department to find out if they had any information on me regarding this account via my social security number because I could not get an account number from PT Account Management. HSBC could not find any information but did say that they could find out more if they had the exact account number. 
I tried calling XXXX XXXX XXXX again on XX/XX/2021 at XXXX XXXX. Someone answered " mediation '' as they did on previous calls and told me to hold. I held for 8 minutes. They never got back to me. They have caller ID and knows who is calling and I know that because on prior attempts of calling they would not answer and kept forwarding my calls to another extension that no one ever came back to.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I not to long ago checked my credit reports. All three reports showed there were several missed payments. This is incorrect and inaccurate. My Capital One Card has never been paid late. I have tried to get this issue resolved but have not been able to get any assistance from the representatives. No one has been able to explain to me how errors of this magnitude were able to placed on my reports. It seems they are not willing to help in any way. This issue has been very stressful and is causing me to not be able to get new credit. Not only that, but also preventing me from being able to get approved for a higher credit limit. I have been stagnated with a {$300.00} credit limit even though I have made all of my payments on time. Yet I receive several offers from Capital One for a Auto Loan of upwards of {$5000.00}. This is an error on the part of Capital One or the Credit Reporting Bureaus. I would like this issue to be resolved and deleted from my reports. So that I can continue on with my life.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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. 

Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2020-03-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2020 I received a call from Portfolio Recovery Associates, LLC. I was told by their representative that they would take a one time payment of {$3000.00} to settle a past due credit card debt ordinally owed by XXXX XXXX ( USA ) that they were collecting on behalf of. ( The original total balance was {$5800.00} ). I asked them if they could send me proof that if I paid the {$3000.00} it would completely satisfy the debt. The representative told me they would mail me a PAID IN FULL notice and delete the negative information from my credit file and assured me we were on a " recorded '' line which would serve as proof of the offer. I made the {$3000.00} payment under these terms but instead of a paid in full letter I received a bill for the balance, {$2800.00}.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

Chexsystems has inaccurate information regarding a checking g account I use to have with XXXX XXXX XXXX 4 years ago. 
Ive talked to them and sent all the documents that show proof. Chexsystems reported : suspected fraud activity on my old XXXX XXXX XXXX checking account which is completely false. 
This is consider SLANDER in America!! 
They need to take this inaccurate information off my credit report IMMEDIATELY! 
What can I do? 
Thanks
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX : {$2400.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-24
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)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have disputed two accounts with XXXX and the credit bureaus. I disputed XXXX personally in house and they claim to have undergone an extensive investigation and said that the debt is mine. They never provided me any kind of method of verification or investigation results or any documents pertaining as proof. I have also disputed alleged accounts with all 3 credit bureaus and Equifax has marked this as accurate, which i have asked over and over for correspondence/evidence/proof/method of verification and none of them have been able to furnish this information to me ( XXXX, Equifax, XXXX  or XXXX  ) . If there is no verification, this has to be deleted by law. ( FCRA ). I have disputed over the phone, online, and many times by mail. These poor accounts have been stopping be from getting things that i deserve.
Consumer complaint received 2020-03-06
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. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off of {$4100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have not now, nor in the past, ever had an account with XXXX XXXX. This false reporting of a charge-off account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-24
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. (LA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-03-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (TX)

Titlemax I feel set me up for failure in regards to my car. Lender regulations state the Lender must verify income, check expenses to see if borrower can repay the loan by the due date. Clearly a single mother who made {$10.00} hrly could not afford a {$510.00} interest payment alone muchless pay down the loan. XXXX knew I had been having an issue coming up with that outrageous rate, my son had been in a serious XXXX and I made her aware of this. I also brought to her attention that no one verified my income to see if I am even able to afford such interest, no one verified my insurance and no one offered to help me at this time or offer me a way to keep my car. My car was taken Wednesday XX/XX/20 and no one contacted me to tell me where my car was or where I could get my belongings. Three days went by and still I had heard not one thing! I finally contacted XXXX and was told her hands were tied and she couldnt help me save my car. When speaking to the tow company he personally told me XXXX is the one I would deal with as she is the one who sends him to pick up the cars. She basically avoided dealing and helping me. This is our only transportation to and from work and school. My car is now being sent to XXXX to be auctioned off and I have yet to get any help from Titlemax or offer a way I could afford in paying for the loan. My car is worth {$10000.00} and my loan was only for {$3500.00} with an interest of {$510.00}. Ridiculous crooks! So because of their unfair business tactics and not willing to work with me to keep my car, Im out {$10000.00} and thats exactly why my income was never verified and I was set up to lose my car. The fact that she knew I was struggling to make those high of payments and not one time offer any kind of assistance to help, shows how low and crooked this company and XXXX are. When Texas band this practice I hope she looses the shirt off her back for how this affects my family and her inconsiderate attitude. She basically trapped me and I hope this company gets sued til they have nothing left. When she knows the regulations and she doesnt abide by them, then she personally owes for my car.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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.

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MD)

I declare under penalty of perjury ( under the laws of the United States. If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transactions that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NY)

We paid all mortgage payments to Quicken Loans on time, and we were in good standing. 

One day, XXXX County told us that we actually did not pay the property tax, and they charged {$4000.00} + late penalty. 

I asked Quicken Loans, but they told us that the title company miscalculated the amount, and we would have to pay {$4000.00}. 

We asked our real estate attorney, but she told us that her title company did not make a mistake. 

I asked Quicken Loans again, and they told us that their title company miscalculated the tax payment, and they would cover the late penalty portion, but they told us to pay the missed property tax immediately and would have to pay {$250.00} more per month in the future. So, they basically admitted their fault. 

Last year, we borrowed an additional {$25000.00} to replace the entire roof ( about 5,000 square feet ) because XXXX/XXXX  did not allow us to renew homeowners ' insurance without replacing the entire roof. We had about {$9000.00} in our bank account, and we would have a financial crisis if we paid {$4000.00} in full Plus pay {$250.00} extra per month in the future. 

So, we asked Quicken Loans for some relief, considering the financial impact of their error and coronavirus. For example, - {$4000.00} one-time credit to cover this unexpected big payment ( so we can focus on the future $ 250 monthly payment ) - or, waive/forgive the interest payment for some period ( so we pay less amount without extra fee or interest payment ) They admitted their fault, but they refused to give us any relief even though we are having this issue by trusting their calculation and decided to borrow money from them. 

They just offered an option to spread {$4000.00} property tax over 1 or 2 years WITH expensive escrow fees. In other words, they made a mistake, they can make more money, and we will lose more money over time. 

As a result, we were virtually forced to pay {$4000.00} in full to avoid expensive escrow fees. We can not understand that they made a human error and caused big trouble and tried to make more money. 

So, we have {$6000.00} in our bank account, and still have to pay {$250.00} more per month. This is a very scary situation where we don't have much spare money in an uncertain economy because if we lose a job or get one more expensive unexpected bill, our home would be foreclosed. 

We also wonder if he was mean to us because we are XXXX. As you may know, many XXXX  are hated just because of coronavirus unrelated to us. Although they made a mistake, they just put a burden on the victim.
Consumer complaint received 2020-03-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (GA)

I received a letter dated XX/XX/2020. That my request was received and all foreclosures and collections activity wil Will cease doing this 30 day Review, But my house was sold on XX/XX/2020 And then I was told that the letter was not sent out but I have a letter in hand.