davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-11
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: EQUIFAX, INC. (GA)

Equifax is not updating my name and address in my file. I have sent them the requested information three times. They can not find my file. My name and address is incorrect in the Equifax records. When I applied for a mortgage refinance, Equifax told the mortgage company that they had 3 files under my social security  number and they could not release information without fixing this. I called them on XX/XX/20. They told me to fax a request that they correct this by deleting the 2 incorrect files and updating the correct file and to send a copy of my social security card. I sent a the copy and letter as requested on XX/XX/20. On XX/XX/20, when I called to check on the status, they stated they never received it. I sent it a second time on XX/XX/20. On XX/XX/20, when I called to check on the status, they told me that they could not find my file. After transferring me to a different department, they found it and told me they could not update it without a copy of my drivers license. I sent it and a letter requesting that they update my file on XX/XX/20. On XX/XX/20, I received a letter from them saying they couldn't find a file for me because I didn't have a current file or I have not applied for credit recently or I have not actively used credit in the past 10 years. I have had a mortgage for the past 13 years and mortgages prior to that. I have credit cards that I use regularly. I just applied for credit in the past month. On XX/XX/20, when I called to check on the status, they said they couldn't identify me and that they had a document from me but needed a copy of my social security card, drivers license, and a letter requesting an update of my complete information stating my name, address, and phone number. And to request a copy of my current credit report. I sent the requested information on XX/XX/20. Each time I contact them, they can't find my file. Then they find it. Then they tell me I need to send them something additional.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to dispute the following information that appears on my consumer report : Source of dispute information : XXXX XXXX XXXX Mortgage, Account number XXXX Type of disputed information : Falsely reported past due of XXXX days, and falsely reported payments were missed. 
Dates associated with item being disputed : XX/XX/XXXX present. 
Explanation of item being disputed : o The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. 
o XXXX XXXX of XXXX, I enrolled in XXXX XXXX mortgage forbearance program due to hardship of unemployment. They informed me that my new adjusted rate would be $ XXXX and the program would last until XXXX. I made all of those payments, and spoke with XXXX XXXX on a monthly basis about making sure I was fulfilling my obligation to them. I spoke with them in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, and XXXX of XXXX. In every conversation, XXXX XXXX assured me that I had paid my obligation and was in good standing with the bank. 
o XX/XX/XXXX, XXXX XXXX called me and informed me they had removed me from the program due to lack of payment, and that I owed them. The agent informed me that there was nothing she could do, that I had been removed, and I would need to pay the balance owed from the forbearance program ( XXXX  XXXX ), and re-apply to a new forbearance program. 
o Immediately after that call, XXXX XXXX reported to credit agencies that I had not made a payment in over 150 days, and my credit score plummeted from XXXX to XXXX. 
o The following week, I contacted XXXX XXXX to request they conduct an internal investigation about my account. XXXX XXXX XXXX was assigned to my case. After conducting an internal audit, XXXX XXXX determined that they were in error. I was in fact up to date on payments, had never had a late payment, and that XXXX XXXX were in error of removing me from the program. They immediately re-enrolled me in the program, however have not resolved their erroneous reporting to credit agencies. 
o XXXX XXXX 's XXXX XXXX ( XXXX ) program is a predatory practice. I have never had a single late payment on ANY of my accounts in my entire credit history of 25 years. I have been a XXXX XXXX customer for XXXX years, and have my mortgage with them. The WFHM forbearance program is marketed to consumers as support during a hardship, but is designed and deployed to destroy the credit and financial stability of anyone who enrolls. 


I have reported errors to the credit agencies and attached is the letter and proof of the issue XXXX has created.
Consumer complaint received 2021-03-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc. (FL)

I asked for debt validation from I.C. system. The company flagged all three major credit bureaus before sending me any proper documents. The only validation letter I received was an address. My name is common and I have been in many mixed file cases with different social security numbers and identity theft. The alleged account is the result of identity theft/ fraudulent and I did not give anyone permission to open this alleged account in my name. I have a good payment history with all three major credit bureaus and this negative error is affecting my scores and reputation. I understand my rights as a consumer and I would like this problem to be resolved promptly. I am also receiving phone calls repeatedly after I told this company to stop harassing me.
Consumer complaint received 2021-03-11
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 do not know why I keep getting bills from this company. I stayed at a XXXX a few years back and the only thing I purchased was the time I stayed in the room. Soon after I got home from that trip, I started to receive bills in my name from them. I have been paying them because my credit is extremely important to me. I have been disputing this with the credit bureaus and it still remains. It is not even reporting accurately. There are inconsistencies between the bureaus in account numbers wherein the account number in XXXX shows as XXXX then in Experian it shows as XXXX. I have called them directly to have them close the account but they refuse. They also have not been able to give me any type of verification that the account was mine. I have been requesting this account to be closed for a couple years at this point. I have been scammed out of a lot of money. I can not get anyone to help me. This is fraud. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and Ive had no responses. Ive sent out requests to XXXX and Experian into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I filled out an order for relief for XXXX granting them credit on the application which gives me a security interest in the business known as equity. The amount was XXXX around XX/XX/2023. I was denied. On XX/XX/2023, I received and adverse action from your company attempting to explain why I was denied via human expanation. This was clearly and act of DISCRIMINATION pursuant to 15 usc 1691 ( a ) ( 3 ) I used my credit card pursuant to 15 usc 1602 ( a ) ( L ) to extend myself credit through your company, which make me a creditor pursuant to 15 usc 1602 ( G ). That also give me the right to give credit pursuant to 15 usc 1602 ( F ). I exercised my right in good faith to extend myself credit as a consumer, and a creditor pursuant to 15 usc 1691a ( 3 ), I have received no benefits from this consumer credit transaction pursuant to 15 usc 1602 ( a ) ( p ) on top of that my credit card was used by a person other than myself which is clearly a violation of this federal law. You are now held civilly and criminally liable under : 1. ) 15 usc 1611 2. ) 15 usc 1640 3. ) 15 usc 1691 ( e ) 4. ) 15 usc 1 I told XXXX XXXX ( finance manager ) in front of XXXX XXXX ( sale consultant ) i had given him all the info he need ( ed to process the consumer credit transaction, XXXX said he was going to Denied the process. I explained the information above to XXXX XXXX told me it doesn't apply to me getting the XXXX  and no one was going to honor the law. I told XXXX XXXX okay and to give me all my documents I shared with XXXX of XXXX. XXXX XXXX refused and insisting he was going to call the authorities on me to get me removed from the property. At that moment another XXXX ( XXXX XXXX ) walked in on the conversation and could clearly see my frustrations while maintaining my composure. XXXX had expressed he had been doing this line of work for XXXX and how I am looking to do this consumer credit transaction is wrong. I am looking to get the XXXX  I test drove. that i need to get the automobile!! No company rules or policy supersede federal LAW!!!!
Consumer complaint received 2021-03-11
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)

I do not know why I keep getting bills from this company. I stayed at a XXXX a few years back and the only thing I purchased was the time I stayed in the room. Soon after I got home from that trip, I started to receive bills in my name from them. I have been paying them because my credit is extremely important to me. I have been disputing this with the credit bureaus and it still remains. It is not even reporting accurately. There are inconsistencies between the bureaus in account numbers wherein the account number in Equifax shows as XXXX then in XXXX it shows as XXXX. I have called them directly to have them close the account but they refuse. They also have not been able to give me any type of verification that the account was mine. I have been requesting this account to be closed for a couple years at this point. I have been scammed out of a lot of money. I can not get anyone to help me. This is fraud. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and Ive had no responses. Ive sent out requests to Equifax and XXXX into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2021-03-11
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: Resurgent Capital Services L.P. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-11
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX, XXXX, & Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Recovery Service Incorporated (WA)

This complaint is a follow on from a previous complaint # XXXX. That complaint detailed an illegitimate debt collection from a collection agency on a card that was issued by XXXX XXXX. That agency apparently is no longer involved. Recently I was contacted by another collection agency American Recovery Services Incorporated, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX to whom collection of that debt was recently transferred. After receiving a notification letter of an attempt to collect a debt I immediately contacted them XXXX and notified them that I was not responsible for any unpaid balance on an XXXX XXXX card. 

The card account in question ending in XXXX was issued to XXXX XXXX XXXX XXXX XXXX. I was a XXXX  of this business which is a corporation. The business suffered financial collapse in 2017 and has subsequently been dissolved. I have never personally been issued an XXXX XXXX card, however XXXX is now attempting to collect this unpaid balance ( on behalf of XXXX XXXX. This is illegitimate collection effort. A corporation serves to provide a barrier between actions of the corporation and the owners. Debts owed by the corporation are not transferable to the individual owners. I notified XXXX about the circumstances of this debt and demanded that they provide some form of documentation demonstrating that I was responsible for this debt, otherwise they should immediately cease all collection efforts. No documentation was ever provided. I again contacted XXXX to request cessation of their efforts but they failed to respond. Their collection efforts continue to occur.
Consumer complaint received 2021-03-11
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. (NV)

The XXXX XXXX XXXX tradeline has been removed from my XXXX credit file following disputes but the tradeline still appears on my XXXX and Experian credit files despite the disputes I've sent to those bureaus as well. The XXXX XXXX XXXX tradeline from XXXX XXXX is for an account that doesn't belong to me. XXXX and Experian have blatantly ignored my disputes and aren't enforcing the Fair Credit Reporting Act.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (CO)

Two to threXXXX weeks ago I tried to have a freeze on my credit lifted from all three credit bureaus. I contacted either XXXX  or Experian to get my credit unfrozen. I dont remember which one it was exactly. When I contacted either XXXX  or Experian, I was declined from speaking to someone because they said they couldn't verify my identity. I think they had the wrong address on my person. From either XXXX or Experian, I was instructed to send a letter with my name, social security number, date of birth, two documents verifying my identity, signature and intention. I did all this and sent letters to all three credit bureaus. Nothing is being done. I only received XXXX letter from XXXX XXXX I think. It was only my credit report. I can not get my credit unfrozen after I contacted them and did everything that was asked. I need help with this because they aren't doing anything to fix the problem
Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

The account, held by XXXX XXXX, was terminated by the creditor. Shortly thereafter, they began deducting a monthly payment from my Social Security benefits. Several years have transpired since then. 

The creditor is reporting the account as a collection with no payments received. However, they have received a payment each month since XXXX. In XXXX, my tax refund exceeding {$6000.00} was seized and used to pay off the entire account. Despite this, the creditor continues to report the account negatively. Within 45 days, approximately {$3000.00} was returned due to an error by the Internal Revenue Service ( IRS ). The creditor continues to receive an automatic payment from my Social Security benefits. 

The account is still being reported as having no payments received, despite the fact that payments have been made on time each month. I have disputed the negative reporting with the XXXX credit reporting agencies ( CRAs ) many times, including a request for validation of the debt. The XXXX CRAs and XXXX XXXX have failed to validate the debt. Recently, my XXXX tax refund of {$1100.00} was sent to the creditor, reducing the original debt of {$8000.00} in XXXX to {$1500.00}. 

They are not above the law being under the umbrella of the federal government.
Consumer complaint received 2021-03-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

portfolio recovery associates phone XXXX address XXXX XXXX XXXX XXXX they are pulling a car under my name in the amount of {$410.00} i have never had a car with the or anyone representing them I inform all three credit bureaus of this the company is harassing me by mail this is not my debt
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CO)

Equifax has reported XXXX chapter XXXX bankruptcies on my credit report that are not mine. These bankruptcies were both filed in XXXX GA I have never lived in XXXX GA nor have I filed XXXX XXXX bankruptcy Equifax claims this was reported to them by XXXX XXXX I have spoken to a representative from XXXX XXXX and she confirmed that XXXX XXXX has no record of these bankruptcies These bankruptcies first showed on my Equifax Credit Report in XXXX of XXXX but the dates of filing and discharge are XXXX and XXXX so why is this fraudulent information showing on my Equifax credit report in XXXX any assistance in resolving this issue will be appreciated
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC (PA)

I was contacted on XX/XX/2020 at XXXX XXXX by an individual named XXXX XXXX. He was calling from Quicken Loan to ask about a refinance of my current mortgage. He stated that the rates lowered and now would be a great time to refi. I asked what the current rate was and he said he was unable to provide this information without a credit check. I thought I was pretty clear when I stated that in XXXX the rates did not make sense to refi and I did not want another inquiry on my report. I gave him my approx credit score and asked if he could give me the details based on the info provided. 
He said yeas but would need to confirm some details ( birth date and social ) and could go to work on the numbers. He did not request permission again after being directly told I did not want him to pull credit. I have assumed that he was using the info I provided as requested. 


He then pulled my score without consent and then got back to me with the details. 

I filed a complaint and a quicken team member XXXX XXXX conducted an investegation. On XX/XX/2020 on XXXX he called to inform me reviewed the case and stated that he did note where the loan officer asked for permision and I stated I did not want a credit check but concluded I had " implied '' consent by calling quicken. I pointed out that I got an unsolicited phone call from quicken that that I did not call him. He then changed his story and said that I gave consent by providing personal detail such as social and birth date and that that implied consent.