davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I am the victim of identity theft and I noticed that XXXX has deleted the accounts that are not mine but Equifax has not done so. As a result I have an 'Excellent ' credit score of XXXX with XXXX and a 'Fair ' credit score of XXXX with Equifax. Another person named XXXX XXXX opened up the accounts using my information without my permission and charged up the cards to the tune of XXXX dollars. I have previously disputed those acounts. I am complaining about Equifax 's false reporting because they are being unfair in keeping those accounts on my record when I did not open them and derived no benefit from the ill gotten gains of XXXX XXXX. This is a violation of the FCRA for which they could be sued. The accounts are : XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX for XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX for XXXX XXXX XXXX XXXX XXXX {$7200.00} XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$7600.00}
Consumer complaint received 2023-06-29
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. (OH)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2022-04-19
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 am a victim of identity theft! This have drove me into XXXX, and XXXX  state of mind! It is unfair to my family and love ones that this have impacted my life. Im asking for all inaccuracies removed immediately as it is unfair to me and by law ILLEGAL!
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

. I've been dealing with a problem with Citibank, three credit cards. They closed all three without any notice, claiming that there has been no payment received since XXXX of XXXX. I found out today that they citi card have been trying to pull payments out of an account that Isn't ours, some Account ending in XXXX. Also they supposedly received a call from someone on XX/XX/XXXX claiming to be XXXX who changed the account number for automatic payment. I spoke with someone named XXXX in their executive office who offered to remove the return payment fees totaling just over XXXX. But not the interest fees. I told her it's not acceptable since it's their error, She just said too bad take it or leave it. All I want is to pay them what I owe minus the interest and fees
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (IL)

On XX/XX/XXXX Williams and fudge called and left me a voicemail at apprx XXXX am. At XXXX I believe tell called me with the number showing private and then they called again at XXXX. After they didn't hear from me they called a person I know at apprx XXXX asking for me. They were told that is not my number and was asked then they have my number. The rep said yes I called a couple times and left a voicemail but she is not calling me back. The person they called said you are violating her privacy especially if you knowingly have her number. I email the office to complain. They admitted the rep called but no privacy was violated. they said they listen to the call and would I like a copy but I am unsure why they would call someone else if they had my correct phone number of 13 years which is published.
Consumer complaint received 2023-06-29
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. (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 XXXX XXXX XXXX. 


Account Name : OFFICE OF THE ATTY XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account XXXX : SST/SEEDFICR Account XXXX Account Name : XXXX FUNDING Account Number : XXXX has violated my rights. Or 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 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Pingora Holdings, LP (VA)

Pingora Loan Servicing , LLC allowed my sensitive files related to my mortgage to be accessed by an unauthorized third party via a security breach. They have offered one year of identity theft monitoring service, but I demand lifetime identity theft monitoring service as well as compensation for this mishandling of my information. They allowed a hacker to access my and my wife 's social security numbers and likely our bank account numbers and other information collected on a mortgage application. This is completely unacceptable and we now feel at great risk of identity theft now and into the future. One year of free identity theft monitoring service will not suffice.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received an account statement from a creditor who had closed my account years ago, showing a negative balance. They had reopened the account without my consent. I called the company and complained and instructed them to discard the account and my information. I am still receiving statements.
Consumer complaint received 2023-06-29
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. (OH)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2022-04-20
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. (TN)

Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NFM, INC (MD)

I have experienced the following issues with NFM Lending Loan Officer - XXXX XXXX the following occurred : 1. He/They changed my demographic information ( Race, nationality, and number of years lived in previous home ) without my permission and the categories chosen were incorrect. 
2. He/They did not disclose all of the title fees as presented by the title company.

3. He/They raised the points fee without warning or discussing with me.

4. I requested a copy of the loan application that was initially submitted of which has not been provided. He has not responded at all.

5. Retaliation in the form of non responsive after I confronted him about his unethical behavior
Consumer complaint received 2022-04-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (OR)

On XX/XX/2022 I had sent central portfolio control a Debt Validation Letter that requested several documents be sent to me to Validate the debt. I will be attaching the Validation letter to this complaint. In the letter it specifies they have 30 days to validate the debt. I have reached out on four different occasions via email and phone to try to resolve this issue. Today XX/XX/XXXX XXXX days past the validation period, They sent me an email Pertaining to the alleged a debt. This now violates my Validation later as I had attached a ceased and desist letter and that all correspondence must be done, in writing, And sent via mail to my address. I have documented this violation for my records. They failed to validate the alleged debt, And violated my rights.
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

I informed my mortgage or loan servicer PHH that I was the successor in interest due to divorce. I requested to assume the loan on more than 1 occassion. I just sent a letter again to them that I request the same thing once again. The letter was faxed to their escalation 's department/ research dept on XX/XX/XXXX. I am attempting to avoid foreclosure by requesting " successor in interest to assume the loan once again due to divorce ''. The former spouse states via email and in open state courts he wants nothing but to be released from the loan. So with his requests this substantiates my successor in interest to the mortgage to remove him from the loan. PHH already has the divorce decree. Divorce happened in XXXX. The co borrower has not paid on the mortgage since XXXX. Once assumption is approved I can then modify the loan in which to bring my loan current. I will attach the " successor in interest rules and laws '', as well as caselaw that states that once a party claims he or she is successor in interest to a mortgagee due to divorce and the home is located in Georgia, that all one of the party 's has to do is to inform the mortgage company that they are assuming the loan and to remove the other party from the loan. Again my former spouses emails states he wants nothing to do with the loan. He wants his name removed from the loan.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear Bureau, After receiving a copy of my credit report with your company, I noticed some discrepancies concerning my personal information reporting. I would like to ask that you update the information provided by myself. I have provided as much information relating to my name, address, social security number. If for some reason, they are reporting anything different, that would mean it is reporting inaccurate and untruthful information and that would be violations of the FCRA. 
I know that you are required per the FCRA to record and report only accurate and up to date information in honor to be truthful. I would need you to correct any erroneous information that is not verified. 
Please have this information updated and corrected ASAP. Here is the information that should be reporting : XXXX XXXX. 
XXXX XXXX XXXX XXXX Virginia XXXX. 
My Social Security Number is XXXX My DOB is XXXX. 
For security reasons since my phone number is unpublished and private, I ask that you do not report my telephone number due to all these marketing and sales calls which are very annoying to say the least. 
Please mail me an updated credit report to the correct address listed within this letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-12-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Credit Management : I set up a payment plan to take money out of my card with routing and account number ; and I specifically told them to take it out on the specific date. They took the money out on a Sunday ; the day before I had money in the account ; and the amount did not go through ; They did this on their own accord because they are so greedy and ruthless ; they did not do what the client asked them to do. Since they did not get the payment ; I have a call from them everyday harrassment ; Monday through Sunday ; every day calls ; I answered one call and told them they could take the money out of the account I previously gave them ; and they told me I had to do the process all over again ; since they did not get the money off the card because they drafted the money too early ; they canceled the payment agreement altogether. Now I have to be on the telephone with them for at least an hour with their abusive collection tactics. They repeat themselves over and over again with a recording ; telling clients what they are doing over and over again. Each time they give me an Agent to work with me ; then when I call ; they say OH ; that Account Manager no longer handles your account. 

They have very abusive tactics and need to be reprimanded for what they do to their clients by repeated phone calls greed into customers payment plans. They always want a checking account and routing number to pull from your account ; No mail payment plans ; They are sharks or the XXXX I don't which one. 

Please assist in this devastating collection crew!!!
Consumer complaint received 2022-04-19
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX XXXX Collection servic Account # XXXX XXXX Lease 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 an account without my written instructions
Consumer complaint received 2022-04-19
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. (FL)

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. Companies below has violated my rights. 

Company Name : XXXX XXXX XXXX Account Number : XXXX Company Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 2019-06-21
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. (CO)

XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 ) bureaus to fix this issue. This negative reporting is harming my credit score. Please remove this line item from my credit report.
Consumer complaint received 2022-04-19
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. (TN)

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 USC1681. 
XXXX XXXX XXXX-dismissed XXXX ~XXXX XXXX XXXXdischarged XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX ~XXXX XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX - ACCOUNT # XXXX ~XXXX XXXX  XXXX - ACCOUNT # XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX  - XXXX ~XXXX XXXX  XXXX XXXX ACCOUNT XXXX ~XXXX  XXXX - ACCOUNT # XXXX ~XXXX  XXXX - ACCOUNT # XXXX ~XXXX XXXX - ACCOUNT # XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX ~XXXX - ACCOUNT # XXXX ~XXXX XXXX ACCOUNT # XXXX ~XXXX - XXXX ~XXXX - ACCOUNT # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1861 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. 1681 s-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 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Alliance Collection Agencies, Inc. (IL)

I sent Alliance Collections  a letter dated XX/XX/22 to request verification of debt and HIPAA authorization. I requested the following : - Copy of my signature with XXXX XXXX to release my medical records. - Full documentation of what they received from XXXX XXXX in connection with the alleged debt. Alliance collections sent me an itemized statement and account summary that was created by them. The invoice is spelling out a specific treatment that was allegedly given, and although I am not claiming this debt, that is a HIPAA violation. I never received any type of verifiable proof of this debt or a consent form giving my HIPAA authorization.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (GA)

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 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 2023-06-29
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. (MN)

The following hard inquiries currently listed on my XXXX XXXX, Equifax, and XXXX credit report are unauthorized and not my hard inquiries : XXXX XXXX, XX/XX/XXXX, XXXX XXXX DC, XX/XX/XXXX, XXXXl XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Full Name : XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2022-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (WA)

My name is XXXX XXXX, I am filing this complaint on my own behalf. There is no third party involved. I have new and additional information regarding case # XXXX on GOLDMAN SACHS BANK XXXX On XX/XX/2022 the Affidavit of Truth, and attached supporting exhibits were delivered to Goldman Sachs BANK, per certified mail receipt # XXXX. Goldman Sachs Bank has failed to respond via affidavit, rebutted line by line within the allotted time period given : 10 days. On XX/XX/2022, I received a packet from Goldman Sachs Bank, postage dated XX/XX/2022. This packet included a Letter, and alleged consumer contract, with arbitration agreement, and alleged statements regarding said debt. The company, Gold And Sachs Bank has continued to violate me, by failing to rebut my sent and delivered Affidavit, sent and delivered XX/XX/2022. The company, Gold And Sachs Bank has continued to violate me, by failing to send ALL requested documents requested in my original validation of debt letter sent and delivered XX/XX/2022. On XX/XX/2022 Goldman Sachs Bank attempted contact to my personal cell phone. This violates me and progresses continued harassment regarding this alleged debt, after receiving a demand to cease and desist.