davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
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: DISCOVER BANK (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2015-12-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc. (IL)

GLOBAL RECEIVABLES SOLUTIONS SHOWED UP ON MY XXXX CREDIT REPORT. THIS COMPANY IS ILLEGAL AND CAN NOT LOCATE IT ANYWHERE. ( SEE MY CREDIT REPORT DATED XX/XX/XXXX2015 ) THEY RAN MY CREDIT ON XXXX/XXXX/2015 AND AGAIN ON XXXX/XXXX/2015 AND CALLED AND STATED THEY ARE TAKING OVER WEST ASSET AND GAVE A PHONY NO. XXXX, WHICH I CALLED AND IT WAS XXXX? THIS IS A FRAUDULENT INQUIRIES AND WANT RESTITUTION.
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/2021, I received a SETTLEMENT OFFER from ARS ( HRRG, LLC ) that included the option to settle a balance of {$1800.00} for a one-time payment of {$910.00}. I was not interested in paying it because I did not believe the debt was mine. IF it was a medical debt, Id always had insurance ; therefore, my insurance company shouldve been billed. Please provide the name and address of the original creditor. Also, this debt was reported to the credit bureaus and negatively affected my credit/credit score. Provide verification of this debt because I wholeheartedly dispute its validity.
Consumer complaint received 2021-12-20
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (WA)

In XX/XX/2021 I received a letter in the mail from Linebarger Goggan Blair & Sampson LLP - Attorney at Law - that was a " Notice of Delinquent Court Fines '' Stating I had a stoplight violation that received court fines that totaled over {$200.00}. I found this odd since I know that I would have received some sort of notice about the violation first before it going to court. In XXXX, I paid the invoice thinking I must have missed the original notice. Then in XXXX, I saw on a reporting website this same exact letter that this is a scam going around. I contacted my banking institution and am disputing the charge.
Consumer complaint received 2021-07-01
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: Atlanticus Services Corporation (AZ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-01
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IL)

I have multiple credits going to my chime account. As well as my tax refund. The companies app had a glitch and there was a paynt of XXXXdollars and some cents that kept trying to send. Chime froze my account and failed to tell me what I did wrong and refused to refund the refunds that are going to that account. When asked what I did wrong they immediately closed the account. The customer service reps and manager were no help either
Consumer complaint received 2022-01-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (MI)

this company is in so many violation of my consumer rights is ridiculous starting with 16 USC C ( 1 ) ( 2 ) ( 3 ) ( refuse to pay debt ) a cease in desist order dated XX/XX/XXXX sent certified mail. This company is also in violation of 15 USC 1692D harassments, threating to harm my reputation, WHICH THEY HAVE by MARKING MY OPEN END CREDIT ACCOUNT IN DELINQUITE AND DROP MY CREDIT SCORE XXXX POINTS, violation 15 USC 1681A ( 2 ) ( B ) any transaction approved by my credit card ( social security number ) should not be on my report so who gave you written consist to furnish my information 15 USC 6802 ( 1 ) ( A ) ( B ) ( C ) institutions can not share information to third parties without my consist 15 USC 1681B. Which was never disclosed to me, I deem this information private VIOLATION 15 USC 1692F -unfair credit practices. I have sent out debt validation XX/XX/XXXX which has not been responded to as well the as deceptive forms made to look like I owe a debt which is also a violation 15 USC 1692j ,15 usc 1666 ( b ) billing error showing no such things as bills just statements of credit transaction .This company is bulling me and stressing me out because of these allegations and there harassing 's tactics and it must stop. 15USC 1692K {$1000.00} PER VIOLATION
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: NAVY FEDERAL CREDIT UNION (WA)

On XX/XX/2021 a Navy Federal Credit Union representative would not process my domestic wire transfer to my Daughter for her upcoming Hawaii vacation. The initial representative that I gave all of my information to, said she would place me on hold & gather paperwork to proceed with my wire transfer. She transferred me instead to a Supervisor who stated that I never transferred money to my Daughter. I told them that this was my 5th or 6th time doing it. The supervisor didn't believe that I have processed a wire in the past. After a third degree 30 min conversation the wire was finally processed. This is the worst customer service I have ever experienced with Navy Federal Credit Union.
Consumer complaint received 2022-01-01
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. (NY)

I have filed a dispute in regards to an inaccurate Account on my Consumer report. It has been well over 60 days and I haven't received any investigation results.
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC (FL)

On multiple occasions I have advised Receivable Recovery that they are attempting to collect on a debt the does not belong to me and May have stemmed from Identity theft. It is absolutely upsetting that someone can steal my information and this company harass my life for a debt that was not incurred my me. I have sent over documentation numerous times for the fraud department to review in reference to this account. But the collection agency continues to make false statements saying that they cant view or read the documents. The address on file is an address that I have NEVER been associated with. And the orthodontist who has sent this file to your office is an orthodontist that I have NEVER been associated with. 

I have been in the military and enlisted XX/XX/XXXX and didnt leave from there until XX/XX/XXXX and during this timeframe I was stationed in XXXX XXXX, VA. I am unsure of when this account was established but it was DEFINITELY not me and I ask that this falsified information be removed from my credit report IMMEDIATELY.
Consumer complaint received 2021-07-01
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. (NY)

I XXXX XXXX, I am a victim of Identity theft. I am enclosing my Identification, Identity theft report from the Federal Trade Commission and the Notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my consumer rights.
Consumer complaint received 2021-07-01
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: SYNCHRONY FINANCIAL (AZ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-30
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (SC)

On XX/XX/XXXX I submitted a complaint to the CPFB about Loancare and the issue I had with them updating incorrect information on my credit report. I received a letter dated XX/XX/XXXX stating that Loancare was going to correct erroneous information on my credit report and Loancare has updated some negative information but has now been updated with ADDITIONAL ERRONEOUS INFORMATION. My credit report is still reflecting a 120-day late payment on my XXXX for XX/XX/XXXX and another 120-day late on my XXXX Report for XX/XX/XXXX. Loancare removed the 120-day late they had reporting in XXXX of XXXX but added a new one and this is wrong! I have called again to find out what the issue is SINCE I WAS IN AN ACTIVE CARES ACT FORBEARANCE SINCE XX/XX/XXXX AND AN ACTIVE CH. XXXX BANRUPTCY SINCE XX/XX/XXXX and late payments can not be reported and THERE WERE NO LATE PAYMENTS AND DUE TO THE CH. XXXX FILING, NEGATIVE INFORMATION CAN NOT BE REPORTED AND THERE WAS NONE TO REPORT DURING THIS TIME. I attempted to call XXXX XXXX who was the lady that sent the letter that I received from Loancare in regards to my previous complaint but her extension comes back as invalid. I don't know who else to contact about this issue. My next step is to contact senior leadership up to level of the President of the company. While on the phone trying to resolve this issue because I can't reach the lady that sent the letter, I keep getting different answers and it seems no one really knows the rules so they give their best guess. These best guesses again are stopping my from getting a home. I am a single mother and XXXX veteran who can not qualify for a mortgage because of this error me and IT'S WRONG!
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc. (GA)

Sagestream , llc provides false information that no other agency provides and false information that is detrimental to fair credit decisions. Sagestream credit score is XXXX points lower than the REAL credit reporting agencies. I have an over XXXX credit score everywhere else. I know for a fact because I just verified it. Sagestream is a scam company. They list factors like distance between area code and phone number as a key factor adversely affecting score. I have had the same number for 20 years and it is the only area code in my zip code. How they make this XXXX up Ill never know. Limited history for consumer at this phone number. Once again, Ive had this number for 20 years. It has been tied to 3 mortgages and probably 6 car loans all of which were paid on time never late and satisfied in full. Also tied to multiple bank accounts and credit cards. I have under 1 % credit utilization. They list too few retail accounts as a factor. False. They list too few active accounts as a factor. False again. They basically just make stuff up to torpedo you.
Consumer complaint received 2022-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The credit bureaus are circumventing the law. The credit bureaus are making it almost impossible for the consumer to access our credit files. I have called dozens of time and the system is virtual run around system leading the consumer down a rabbit hole. It is impossible to access your credit reports by mail. The credit bureaus are forcing the consumer to access an online report that has most of the important information missing. The credit bureaus are engaging in misguiding the consumer by not allowing access to your personal files. Please have someone call the numbers to see that this stuff is illegal
Consumer complaint received 2021-07-01
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. (TX)

The credit bureaus are circumventing the law. The credit bureaus are making it almost impossible for the consumer to access our credit files. I have called dozens of time and the system is virtual run around system leading the consumer down a rabbit hole. It is impossible to access your credit reports by mail. The credit bureaus are forcing the consumer to access an online report that has most of the important information missing. The credit bureaus are engaging in misguiding the consumer by not allowing access to your personal files. Please have someone call the numbers to see that this stuff is illegal
Consumer complaint received 2021-06-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

I received an offer in the mail from Citibank to refinance my loan and responded in early XX/XX/2021. They immediately advised I needed to have my home appraised by an approved lender. Within one week, I paid {$700.00} to have that done. The appraiser uploaded the appraisal a week later and its been a nightmare every since. 

Citibank has requested the same documents over and over and changed agents without informing me. I only found out when I had not heard from anyone in over 45 days and I called their XXXX number. I reached out to the new agent via email and voicemail over several weeks. It wasnt until I called the XXXX number again and requested a call back from her manager that SHE called me back, not the manager advising all documents had been received and a decision would be made in 6 weeks. Three weeks later, I get yet ANOTHER request for documents and they needed to be received within 3 business days. I do not have time to gather yet another new stack of papers to send to them again. My locked interest rate is set to expire soon and Im afraid I will miss out on the low rate. 

I have a great credit score ( XXXX ) solid job history ( been on my job for 10 years ) and have owned my home for 18 years. My mortgage holder is CURRENTLY Citibank. 

I cant help but wonder if all the hoops Im being made to jump through is a result of the systemic unfair treatment that XXXX people, like me, have silently had to endure in this country from the banking industry. 

Please help me get this issue resolved. 

Thank you, XXXX XXXX XXXX Loan Number XXXX ( XXXX ) XXXX - XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Date of Closure : XX/XX/year> XXXX # : XXXX / XXXX Charge Off Amount : {$240.00} Date of Closure : XX/XX/year> XXXX # : XXXX / XXXX Original Charge Off Amount : {$990.00} Closure Status : UNPAID While Trying to apply for a business bank account I was denied due to this discrepancy on my report. I called XXXX to get details but they told me to call XXXX XXXX XXXX and XXXX XXXX to pay it, but when I called they ( XXXX XXXX ) didn't know anything about it. This violates my privacy and risks personal information being passed around to XXXX party companies who don't have a record of the details. I was also informed on the call that this was not the first time. Please REMOVE/ DELETE from my REPORT! 

I have never received emails, Letters, or calls about the debt.
Consumer complaint received 2021-07-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report that is preventing me from getting a house. As of this day that I am filing this complaint, over 45 days later, I have yet to receive a response. While I understand with the current state of things that the bureaus may be understaffed and overburdened with request. However I do not feel like that is the case here, I feel like I am being taken advantage of and being ignored of my disputes.

These inaccurate and unknown things on my credit report are preventing me from providing decent living conditions for my family as Im trying to buy a home. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be looking to file for litigation due to the stress you have caused me and my family. Furthermore, my information was also impacted by the Equifax data breach and may have gotten into the hands of someone else.
Consumer complaint received 2021-07-01
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. (FL)

I was behind on two payments but even though I was behind, they were still deducting a payment from my checking account each month. I called the company to pay the {$250.00} I was told I was behind on and which is also on my credit report and the representative told me that I owed them over {$1000.00}. After several minutes of trying to get her to explain to me why I had to pay over {$1000.00}, the rep told me to hold on while she updated my account, hung up on me and never called back. My monthly payment for this loan was {$110.00} every two weeks and payments were taken out of my checking account up until the month of XXXX which you see they started reporting it as late for three months, XXXX, XXXX and XXXX. I am able to provide you with my bank statement showing these payments were deducted from my checking account up until XXXX of this year.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Fair Collection Outsourcing has committed multiple violations and mistakes in my credit reports. This company has damaged my financial life. They have been NEGLIGENT AND UNFAIR. 

Fair Collection Outsourcing has committed the following violations : The account had unsubstantiated charges, I was never billed an itemization by original creditor and not even notified about existence of debt. The account has been re-aged and creditor harassed me to collect payment. 

This company has also caused the following damages : {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX hardship and XXXX XXXXhrough XXXX XXXX XXXX  and XXXX. 

Account information below : Account number : XXXX, date XXXX : XX/XX/2018, original balance : {$630.00}. 

THIS ACCOUNT MUST BE REMOVED FROM ALL 3 CREDIT REPORTING AGENCIES IN THE NEXT 30 DAYS. THIS IS MY DEMAND TO GET THIS CASE RESOLVED AS SOON AS POSSIBLE. 

See attachements. 

Thank you.
Consumer complaint received 2023-07-16
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. (GA)

Equifax continues to report an account with inaccurate information which is unlawful. I have tried to get this account removed on numerous occassions with photo evidence to prove my complaint is legit. Equifax has refused to do a proper investigation into this account which has caused me and my family to be denied credit or not apply do to this incorrect account. The CFPB continues to allow this credit bureau to cause harm to my credit report which affects the enjoyment of life for me and my loved ones. This bureau needs to be held accountable for their bad business practices.
Consumer complaint received 2021-07-01
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. (FL)

I was behind on two payments but even though I was behind, they were still deducting a payment from my checking account each month. I called the company to pay the {$250.00} I was told I was behind on and which is also on my credit report and the representative told me that I owed them over {$1000.00}. After several minutes of trying to get her to explain to me why I had to pay over {$1000.00}, the rep told me to hold on while she updated my account, hung up on me and never called back. My monthly payment for this loan was {$110.00} every two weeks and payments were taken out of my checking account up until the month of XXXX which you see they started reporting it as late for three months, XXXX, XXXX and XXXX. I am able to provide you with my bank statement showing these payments were deducted from my checking account up until XXXX of this year.