davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-14
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)

On XX/XX/2019, I sent a dispute letter to Equifax and requested them to remove three fraudulent accounts due to identity theft. I also sent them my police report including my FTC complaint and all my required ID documents. Equifax refuses to remove these fraudulent accounts even though they are required to do so.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

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 Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I have two American Express credit cards. Despite making timely payments and paying more than the minimum, they reduced my credit limit on both cards and damaged my credit score. This may be understandable for delinquent accounts but not for those that are paying as agreed. Between the two cards, they requested more than {$12000.00} to prevent this penalty. Please review their practice and have my original credit amount restored to rectify the damage to my credit score.

I have two cards but could only list one on the website. 

Thank you.
Consumer complaint received 2023-03-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

My current house was financed through XXXX XXXX, and I have been with them for almost two years. I was always on time with my mortgage and never missed a payment. I put my mortgage on auto-pay, and the money comes out of my account every 1st of the month. However, the company XXXX XXXX XXXX XXXX transferred my loan to a new company called Carrington mortgage services , LLC . I went on leave out of the country from the end of XXXX to XX/XX/2023 ( I have my military leave form to prove it ). I was away for almost two months. I came back on XX/XX/XXXX. So today, on XX/XX/XXXX, I was expecting the mortgage to be taken out of my account, which did not happen. So I started going through my transaction history when I noticed that XXXX, XXXX, and XXXX payments were not made, so I immediately called the XXXX XXXX mortgage, who transferred me to the Carrington mortgage services , LLC . They said they have been trying to reach me through the phone, but there has been no response. So they went ahead and submitted a bad credit report that will affect my credit score in the future. The fact of the matter is that I never received any calls from them, and when I found that there was an issue Immediately called to solve the issue. I tried to avoid missing payments, so I set an auto pay. I want this negative credit report removed from my credit because I did not intentionally miss my payment ; I thought the payment was still going through until I found out today that it was not. I immediately called to fix the situation. There was a communication problem during the transfer between the two mortgage companies, and it would be unfortunate for me to be penalized for something I did everything to prevent. I appreciate your consideration
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: RAB, INC. (CA)

I requested a " pay in advance '' loan a long time ago. I went into really difficult situation with some family medical issues and I did some arrangement with that company to make monthly payments. But now they hire a collection agency that is really harassing me, my family and at my work. I told them to send me everything by mail but they refused to do this and they keep really harassing me. I want that they stop this.
Consumer complaint received 2019-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (NC)

I was contacted by mail on 3 occasions about a debt to an XXXX. I have never sought out. Never called. Never made an appointment and have never seen an XXXX  and they are seeking a debt of XXXX. I wrote this company and told them the SAME thing I have written here and they sent me a follow up letter that stated, upon their investigation with information I provided, I owe the debt. I do not! I have never sought, made or seen ANY XXXX  EVER.
Consumer complaint received 2019-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (NC)

Monterey Collections recently reported an unpaid debt for {$17000.00} on my credit report. Prior to the appearance of this account on my credit profile, I did not receive a notice of my right to dispute. Due to this negligence, Monterey Collection Svcs is violating my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2019-12-10
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. (CA)

I have contacted XXXX directly, as well as, Experian, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2019-07-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I applied for a Private Party car loan at XXXX XXXX XXXX on XX/XX/2019, at their agency located XXXX XXXX XXXX XXXX, XXXX, Texas. 
I got approved based on my credit score and got the approval letter. 
Then I got someone from the back office that asked me 4 security questions based on my credit report. They use solely Experian. After answering, Experian denied my loan wrongfully following my answers which were accurate. 
I succeeded to negotiate a second series of questions, but I got the same result with different questions, denied, while I answered accurately to their questions. 
I called several times Experian on the phone. It's extremely difficult to get hold of someone in that company. Their call bots are everywhere avoiding you to get hold of someone. 
Finally, after trying several numbers and combination of call bots options, I got hold of someone at the dispute service by dialing XXXX XXXX XXXX XXXX # XXXX. 
I asked to this person if the questions where matching with my credit report. It appeared that my answers were accurate while I got declined. 
I asked to be put in contact with anyone in charge of the security question engine, to see if there is an error in their process and if I will have to go through another decline next time I will try to verify an approved loan by another bank which is using solely Experian ( like XXXX XXXX XXXX ). 
Experian told me that there is no-one I can contact to study the issue. Not an engineer, not a supervisor, no one is in charge of their questions generator. 
Now that XXXX XXXX XXXX denied my loan due to Experian security questions, I don't have any way to fix the issue with XXXX XXXX XXXX while I was on site with my banker who confirmed my identity by using my driver license and passport. 
A credit score and report agency should be used as a proof of my ability to finance and pay on time my loans, mortgages, bills and credit cards. Which they did validate, since I got approved A credit report agency is NOT an identity verification authority. My SSN is NOT an identity card. 
I would like to file a complaint against Experian, that is wrongfully blocking me to get a crucial loan due to their wrongly generated " security questions ''. 
Best regards,
Consumer complaint received 2024-02-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to express my extreme dissatisfaction and frustration regarding the denial of my request to block fraudulent account on my credit report. It has come to my attention that the account is clearly fraudulent and in direct violation of the law. 
The Fair Credit Reporting Act mandates that credit bureaus must ensure the accuracy of information reported on consumer credit files. Despite providing evidence and documentation proving the fraudulent nature of the account, your bureau has unjustly denied my request without providing valid reasons. 
XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

Bank set up son 's phone number on XXXX to go to account with XXXX  XXXX XXXX XXXX transaction using XXXX within the well fargo app On statement said it went to XXXX XXXX ( XXXX ) but he never received XX/XX/2022 They have refused to get money back but son was on with wf fraud depth when the set new account ND XXXX transfer Need to get money back as only ha ssa as income
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

This was a case of a hacked XXXX account linked to an XXXX XXXX credit card. Neither XXXX nor Chase helped me with this problem. I talked to a branch XXXX of a local Chase Bank hoping he could tell me who in Chase I could contact. He told me straight out that I was not going to hear what I wanted to as Neither XXXX or Chase wanted to be out the money. That about sums it up!! The false information that Chase Bank gave me as to why I owed the money was abhorrent, including a statement that I had actually made a payment on the account, which I had NOT. They took payment information from a separate credit card account I had with them and used that as my supposed payment. It took me 17 months to finally get the matter settled, no thanks to them. The business practices of both XXXX and Chase leave a lot to be desired. The credit bureaus were involved in this mess of course because of my dispute. Not sure which Federal Agency would be interested in this but someone should beThank-you for your time.
Consumer complaint received 2023-05-24
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. (SC)

My name is XXXX 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.
Consumer complaint received 2019-12-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TN)

I contacted my loan provider and made a payment a few months ago. i was late so there was a late fee and the agents on the phone asked me if i wanted to pay the late fee. i told them i did and my card was charged for the regular payment amount plus the late fee. this happened a couple more times, making a payment late and adding in the late fees to the regular payment, in a row untill i noticed the late payment fee was really big. when i asked the agent why the fee was so large i was told that the extra payments had been going to the principal not the late fees, the company policy was to apply any extra payment when a payment is paid late to the principal. every time i called i was asked if i wanted to pay the late fee which i said i did. i was never told that the payment would not be applied to the late fees, in fact they asked if i wanted to pay the late fees knowing the payment extra would not be applied to the late fees. i spoke to a supervisor to ask that the payments i intended to be applied to the late fees be reallocated from the principal to the late fees owed, but was told they would not be doing this.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I sent a letter to the credit bureaus on XX/XX/22 requesting a reinvestigation into some questionable items on my credit report. The items still remain on my credit report as verified, but I was not provided the investigation results. Failure to provide the results and the details are a violation of the FCRA.
Consumer complaint received 2023-02-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

On XXXX XXXX, I sent several requests to Experian to investigate concerns found on my credit report. I correctly included my driver 's license, social security card and a bill to represent my correct address. Three Letters dated XX/XX/2023 was received from Experian indicating that the proof of identity provided ( my driver 's license and social security card ) does not match the information that they have on file. Therefore, I should submit information ( 2 ) that would validate who I am. Among the list I can provide as proof is my driver 's license and social security card. In addition, Via email on XX/XX/XXXX, XXXX, XXXX, XXXX, I received correspondence from Experian indicating that they received a request regarding my credit report ( certified letters ). However, they stated that it doesn't appear to be sent by me therefore they will disregard my requests. I replied to the email indicating to them that I am indeed the person and to follow up on my requests. No response. I re-sent the same letters with my handwritten signatures via certified mail again ( all in one package ), driver 's license and social security card. Experian has refused to investigate my concerns on my consumer report.They have disregarded my concerns and have cause me undue stress. They have refused to investigate my concerns and this is a violations of so many laws there is no need to list but will be addressed.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Consumer complaint received 2019-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC (MO)

Atlantic Recovery Systems was told to cease and assist before and they continued to call and now threaten me with XXXX County ... they were not to call and have violated the law to cease contact ... I want them reported they wont even say what the debt is about nor have i received any information they just keep calling taking breaks then calling again over and over ... I looked them up and they have similar complaints and class action lawsuits for abusive practices
Consumer complaint received 2019-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

Repeated calls from XXXX several times a day for months! I don't have an account with this company ( XXXX  the number & it belongs to Midland Credit Management ). I also checked my credit report and I am not in default on any loans or credit cards.
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (MI)

I am requesting my American Express card be closed immediately as of XX/XX/XXXX American Express has used unfair business practices to charge me higher interest rates. My interest rate soared from 19 % to nearly 30 % XXXX 29.99 % ). 
The reason American Express used was for a returned payment from XXXX/XX/XX/XXXX. Although this return payment was unauthorized and the fact I had previously made my monthly payment, Note : my payment was NOT late. 
American Express doubles consumers penalty.First they charge a whopping {$XXXX} late fee than they nearly double the interest rate. Despite the fact prior to this I have always made timely payments and never been late. 

Again please close my account
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous 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, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 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  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-07-15
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: Onity Group Inc. (PA)

XXXX - need to remove bankruptcy from my account. I sent them everything they needed and I didnt get anything back. 

Ocwen. Needs to open my account. They have my mortgage as paid off. Its not I make payments. I sent all the information on another complaint. 

XXXX XXXX XXXX all show my account closed. 

I cant use the XXXX boost because I have extra security on my bank account because of ID Theft Please help. Im working really hard to settle all of this.
Consumer complaint received 2022-10-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge BK OF AMER  XXXX Date Opened : XX/XX/2011 Balance : {$11000.00}
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (FL)

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Mariner Finance have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.