davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

In XXXX of 2022, I was a finalist for a CEO position and I signed a disclosure and authorization for XXXX XXXX to do a consumer report. I am formally complaining that this credit report is being reported by Equifax and a Hard Inquiry which has credit score implications. On no other reporting agency is this investigation being reported as a hard inquiry as I was not seeking credit. I have called XXXX XXXX and requested they fix this error and have not received a call back from them. After not receiving a message from XXXX XXXX I filed a dispute with Equifax and it was denied. I am requesting that this inquiry be removed from from Hard Inquiry which would remain on my report for another 13 months and continue to have a negative impact on my credit score as if I were attempting to over purchase.
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am uneasy about the ability about communicating a dispute involving Identity Theft, I have tried on several occasions to electronically and telephonically communicate to XXXX   Credit Reporting Agency that I am a victim of Identity theft and never gave permission nor received benefit of the accounts and inquiries acknowledged. The Accounts and inquiries of concern are as follows : XXXX XXXX XXXX  Acct # XXXX ( {$8.00} ) XXXX XXXX XXXX  Acct # XXXX ( {$2500.00} ) XXXX, XXXX-XX/XX/19, XXXX-XX/XX/19, XXXX-XXXX-XX/XX/19, XXXX XXXX-XX/XX/19, XXXX XXXX-XX/XX/19, XXXX-XX/XX/19
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items on my credit file that are erroneously reported. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$630.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$290.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX/XXXX  XX/XX/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 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 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 2019-12-19
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: Santander Consumer USA Holdings Inc. (MA)

This report is really a mess. There are too many inaccuracies such as the remarks. I need to see the documents that to prove that this is mine.
Consumer complaint received 2019-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

LoanCare is my mortgage company that my mortgage was transferred on XX/XX/XXXX. My previous company tried to pay school tax and reported the check was sent back to them. Next, they sent this check to my LoanCare since they took over my mortgage. LoanCare never paid school tax on my behave. Now, I am facing collection because they keep delaying the payment. I sent a fax with copy of the tax bill and attached a copy electronically. They told me XX/XX/XXXX will be the date they decide on paying. Today I called and they said the date was moved to XX/XX/XXXX.  My township is saying they are starting collection process on me since I didn't pay school tax. I need help please.
Consumer complaint received 2019-12-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (CA)

PCN Bank, NA XXXX XXXX  XXXX, XXXX, PAXXXX XX/XX/XXXX On the date of XX/XX/XXXX my certificate matured ( cert # XXXX ). I called to have my certificate ( CD ) to be closed on that date. I talked to XXXX XXXX and told her to close out the CD. She said she would and would send me a certified check for the amount of XXXX. I never received it. Weeks later I logged on to my online account and found out it was still open, and had a new maturity date of XX/XX/XXXX. 
On the date of XX/XX/XXXX I was I was told by the Bank to call the Retail Escalations Manager PCNBank XXXX, that it did not receive my certified check. I talked to a XXXX XXXX and he told me he would fix it, and I would receive the certified check, within 10 days. I have still not received the check
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-12-19
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: Experian Information Solutions Inc. (GA)

I am uneasy about the ability about communicating a dispute involving Identity Theft, I have tried on several occasions to electronically and telephonically communicate to Experian Credit Reporting Agency that I am a victim of Identity theft and never gave permission nor received benefit of the accounts and inquiries acknowledged. The Accounts and inquiries of concern are as follows : XXXX XXXX XXXX  Acct # XXXX ( {$8.00} ) XXXX XXXX XXXX  Acct # XXXX ( {$2500.00} ) XXXX, XXXX-XX/XX/19, XXXX-XX/XX/19,   XXXX-XX/XX/19, XXXX XXXX-XX/XX/19, XXXX  XXXX-XX/XX/19,  XXXX-XX/XX/19
Consumer complaint received 2023-05-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CO)

Chime needed up closing my account for no reason I submitted all the documents that was asked was told it was good from chime support than later was told the other department was going to reach out it has been weeks and still nothing. I was then told they will be issuing a closure check and should receive it and never did. They keep giving me the run around and Im literally upset that they cant do anything to tell me why they closed my account and just anything. I call about 3 times a day supervisors told me they dont like how Im getting treated but they cant do anything because another department handles this type of stuff and that theres no way to contact them.
Consumer complaint received 2023-01-22
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. (CA)

XXXX, XXXX, & EQUIFAX have been reporting inaccurate information on my credit reports. I am a victim of identity theft and my problem has not been resolved. I filed a Federal Trade Commission report. 

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 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 XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I've written this company several times to ask for verification of this account along with my signature of proof. They are not able to provide me with this information. They have told me that they will not re-open my dispute. This account on my credit report is negatively affecting me. I'm not able to obtain credit nor a mortgage. I would like this removed from my credit report.
Consumer complaint received 2019-12-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Pre-Legal Notice Midlandcredit.com Company-XXXX XXXX MCM will be forwarding account to an attorney for litigation. 


XXXX XXXX Envelope to my address
Consumer complaint received 2019-12-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX XXXX XXXX put my debt into collections it is wrong XX/XX/XXXX they gave it to LVN FUNDING LLC with a balance of {$640.00} they called my work multiple times everyday I could have lost my job they contacted my family they eventually got a hold of my mom and told her if I didn't pay this then I was going to jail within the week they threatened to put a lien on my car they threatened to garnish my wages and they threatened to put me in jail if I did not pay them my mom got so nervous they came to an agreement to pay off the account for {$400.00} and close it we have a paid in full letter from LVN FUNDING LLC For the Agreed amount to close the account for {$400.00}. I do not understand why it's still showing up on my credit report and I don't think they should be allowed to threaten people especially relatives my mom has a XXXX  XXXX and that could cause really big problems
Consumer complaint received 2023-01-22
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: SANTANDER HOLDINGS USA, INC. (FL)

SANTANDER BANK XXXX XXXX XXXX XXXX. 
XXXX PA XXXX date opened XXXX XXXX this paid in full and sold to another company. 

SANTANDER BANK HAS COMMITTED Securities Fraud and mortgage fraud and identity fraud. SANTANDER BANK taking Securities out on my name without my content which is identity thief, Securities fraud and mortgage fraud.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm filing a complaint regarding this account XXXX XXXX XXXX, Account # XXXX XXXX to XXXX, Transunion & XXXX since I have already received a response from XXXX XXXX XXXX XXXX XXXX dated XX/XX/2022, in response to my Dispute letter to Validate the alleged debt I owe to them. They confirmed that they had already closed the file and terminated the collection action to an account stated above.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I'm filing a complaint regarding this account XXXX XXXX XXXX, Account # XXXX XXXX to XXXX, XXXX & Equifax since I have already received a response from XXXX XXXX XXXX XXXX XXXX dated XX/XX/2022, in response to my Dispute letter to Validate the alleged debt I owe to them. They confirmed that they had already closed the file and terminated the collection action to an account stated above.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Mailed letters to all three credit bureau explaining that it was fraud on my chase credit card along with a letter from XXXX XXXX XXXX saying it was fraud asking them to remove the late payments from my credit report. All they did was change the name from XXXX XXXX XXXX to XXXX XXXX XXXX  and still haven't taken it off my credit report.
Consumer complaint received 2022-03-24
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. (MN)

On XXXX XX/XX/XXXX I reached out via online to XXXX XXXX XXXX and XXXX that I would like dispute XXXX XXXX that is listed on my credit report as inaccurate reporting. 

Also, on XXXX I contacted all 3 credit bureaus by mail asking them to investigate the in accurate credit report regarding XXXX XXXX and XXXX XXXX XXXX XXXX Yet they've claim that they've investigated the matter without providing me any wet ink signature agreements or contracts that confirms these companies personally has contracted with me. Sadly, to say somehow these organizations received my private and personal information without my consent and are reporting fraudulently. 15 USC 1681 15 usc 1692 ( d ) Harassment ; 15 USC 1692 ( e ) False and Misleading On XXXX XX/XX/XXXX I followed up with XXXX XXXX Experian and XXXX all three bureaus by phone to ask why the previous request has not been resolved and that I'm still showing inaccuracies on my credit report. I demanded that they removed these because they are abusive debt collection practices 15 US 1692 ( a ) I spent a lot of my time and energy looking to resolve, dispute this by reaching out to these unknown companies that I never contracted with requesting them to cease and desist from their unfair practices. Yet my online request, mail and phone calls have been ignored for far too long.
Consumer complaint received 2019-12-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I have a XXXX XXXX Credit Card that was put into collections with Portfolio Recovery Associates. I have called multiple times and requested a letter reflected the balance amount that was agreed upon ( {$3700.00} ) and the current balance towards that settlement amount ( told over the phone today was {$2700.00} ). The company is refusing to put actual balances into writing as they have stated " we don't do that. '' They will only provide a payment schedule. This request is being made as we are trying to get approved for an FHA mortgage loan and the FHA requirements have to provide documentation of the balances, which the collection company is refusing to do.
Consumer complaint received 2019-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midstate Collection Solutions, Inc. (FL)

DISPUTE WITH MIDSTATE COLLECTION SOLUTIONS I XXXX XXXX believes that there ar

e medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer. This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. 
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in XX/XX/2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. 
XXXX XXXX
Consumer complaint received 2019-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (FL)

DISPUTE WITH MERCHANTS CREDIT GUIDE I XXXX XXXX believes that there are medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer. 
This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. 
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in XX/XX/2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. 
XXXX XXXX
Consumer complaint received 2019-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) - This account is paid off. I have asked the company involved to delete this account but somehow they still have not deleted this.
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (MN)

On XXXX XX/XX/XXXX I reached out via online to XXXX XXXX Equifax and XXXX that I would like dispute XXXX XXXX  that is listed on my credit report as inaccurate reporting. 

Also, on XXXX I contacted all 3 credit bureaus by mail asking them to investigate the in accurate credit report regarding XXXX XXXX and XXXX XXXX XXXX XXXX Yet they've claim that they've investigated the matter without providing me any wet ink signature agreements or contracts that confirms these companies personally has contracted with me. Sadly, to say somehow these organizations received my private and personal information without my consent and are reporting fraudulently. 15 USC 1681 15 usc 1692 ( d ) Harassment ; 15 USC 1692 ( e ) False and Misleading On XXXX XX/XX/XXXX I followed up with Equifax XXXX XXXX and XXXX all three bureaus by phone to ask why the previous request has not been resolved and that I'm still showing inaccuracies on my credit report. I demanded that they removed these because they are abusive debt collection practices 15 US 1692 ( a ) I spent a lot of my time and energy looking to resolve, dispute this by reaching out to these unknown companies that I never contracted with requesting them to cease and desist from their unfair practices. Yet my online request, mail and phone calls have been ignored for far too long.