davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX. 






The CORRECT Address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

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 XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I requested a loan modification in XX/XX/XXXX due to an operation my wife had to undergo which has prevented her from continuing her XXXX. I was asking to skip one month 's payment, and was told that there may be a slight reduction in our total payments due to the modification. I have submitted the same paperwork numerous times, answered the same questions over the telephone numerous times ( several times the same question was asked, then asked two weeks later by another individual in a different way ). We have been late, 30 days, since about XX/XX/XXXX and have been occurring the late payments as well as having the late payments being reported to the credit bureaus. We have over a dozen requests for information by letter, some saying they have all the information they need, with another letter coming the following week asking for information or documentation we have already provided. Had I known that there would be this much red tape and time taken ( I honestly believe they are purposely stinging us along, perhaps to force us into foreclosure ) I would have looked into a new loan with another bank. At this point, I have been late, which precludes me from any HARP loan options and pretty much reduces any other options I may have had. 
What I would like is that SPS give us an answer ( I never get to speak with the same person and they shield the " decision-makers '' from their clients ), one way or another and to reverse any late payments and clear our credit with the credit bureaus. 

Thank you
Consumer complaint received 2017-03-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (NY)

The hospital placed my account to XXXX and ARSTRAT. The account was paid in full to the hospital on XXXX/XXXX/2016 with electronic receipt, but I continued to receive mails from ARSTRAT. They also offer no electronic communication channel for communication. I was n't able to get through their return call number.
Consumer complaint received 2023-03-21
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. (WA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2022-12-15
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX .... Balance : {$6700.00} ; XXXX XXXX XXXXXXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$9100.00} ; XXXX XXXX & XXXX XXXX Balance : {$350.00} XXXX CXXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-07-08
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. (PA)

for the last two months I have been calling equifax to get them to stop sending the companies that I have accounts with that I am disputing something or that the account is fraudulent or something over and over again I have called them and they still doing the same thing they have messed up my account with modells because of this I ask you is there anything you can do to get them to stop this can you please help with this matter asap can you send me any legal advice or anything that will help I have no problem taking legal action against them this has got to stop and stop now is there a way I can file a police report or anything else I can do to get them to fix the problem that they have caused I have called XXXX  last month when it first happened and everything was fine and then they reported the same information again to them and my account was closed because of this and now I have to call them back and go through the same thing again please do whatever you can to get this issue resolved I am tired of this XXXX they are putting me through please help me out with this matter asap
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

i called and was told thaty it was not able to take it off my consumer report when i nerver gavwe know XXXX permission to use my info
Consumer complaint received 2023-03-21
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: SANTANDER HOLDINGS USA, INC. (SC)

In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681s-2
Consumer complaint received 2023-07-25
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. (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, TransUnion, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} Open balance XXXXXXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$250.00} Open balance XXXX XXXX  Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, TransUnion, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY (UT)

I have paid this account by phone for XXXX years without incident. However, the payment made by phone on XX/XX/2017 was not posted to my account. I called on XX/XX/2017 to make another payment, and was told my account was delinquent. I have tried diligently to get this straightened out with Wells Fargo. Wells Fargo 's system shows the payment was called in on the XX/XX/XXXX but not posted to the account until the XX/XX/XXXX. This is some type of system error. On XX/XX/XXXX, I spoke with several different representatives. XX/XX/XXXX XXXX at XXXX stated that an electronic correction had been sent to XXXX , XXXX, and XXXX. After numerous calls to try and get the issue resolved, XXXX in the XXXX Office claimed that she researched the problem, and that although the payment was submitted to Wells Fargo on XX/XX/XXXX, the system showed that the payment would not post until XX/XX/XXXX This is some type of error. I have never post dated a payment, and was absolutely SHOCKED to find out the payment had not posted on XX/XX/XXXX, when I called on XX/XX/XXXX to make another payment. I am a Mortgage XXXX, and am very diligent in keeping all of my accounts paid on time. The reporting of this late payment has prevented me from getting a mortgage license in the XXXX of XXXX. I have pleaded with Wells Fargo to correct this error. I get a run around from XXXX person to the next, with a different story from each person I speak with. PLEASE help me get this XXXX day late payment removed from my credit report. I paid the account ON TIME.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

XX/XX//23 I was victim of a phishing scam ; no assets were lost ; XXXX/XXXX/23 bank froze my checking and savings accounts. XX/XX/23 attempted to use existing debit card, declined by vendor. XXXX/XXXX/23 new debit and credit cards sent by USAA, activated ; received communication from USAA indicating that no fraud had occurred. I contacted USAA and requested a re-review of all circumstances. XXXX/XXXX/23 attempted to use new debit card, declined. XX/XX/23 USAA communication indicated that I would receive another debit and credit card. I will activate and likely have transaction declined as USAA organizationally does not appear to have integrated their systems to preclude new cards being sent to subscribers with " frozen '' accounts. 

I have made numerous calls to the security and fraud department of USAA regarding frozen assets, the status of my auto bill pay, USAA insurance, mortgage and XXXX XXXX XXXX payment, accrual of interest on savings account with no response. At NO time did I receive written communication from USAA. Further neither me nor USAA sustained any financial loss due to this criminal activity. 

On XXXX23I drafted a letter to the USAA CEO, Chairman of the Board and Sr VP and General Manager Bank Fraud Management and General Operations . 
This letter identified the situation, reminded them that I had been a loyal subscriber for over 30 years, as well as a XXXX XXXX XXXX XXXX. I am nearly XXXX years old, XXXX with XXXX XXXX and a recent XXXX XXXX XXXX. I requested the immediate closure of my savings accounts and forwarding of a certified check for the account balances so that I can, with a new bank, purchase my medicine, pay my mortgage, XXXX fees, utilities. I have received no response. 

This treatment which I believe is a further victimization of a loyal, senior, vulnerable subscriber, without a clear explanation of the process and access to my funds clearly merits examination from both the highest level of USAA as well as the CFPB.
Consumer complaint received 2021-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (IL)

Hi there, I received a voicemail from XXXX on XX/XX/XXXX at XXXX CST stating to call back on personal number. I called back and was speaking to a man who claimed to be calling on behalf of the state of Illinois on phone number XXXX where he repeated my Social Security Number full name and Mailing Address. He told me I had XXXX in Taxes Owed ( which I do not ). I told him I do not feel comfortable speaking on the phone with a company I do not know and told him I would speak with my parents and check with the IRS to confirm. The fact that he had my Social Security Number was very alarming and I looked up the phone number and everything results back to spam. I don't know what to do since they have my Social.
Consumer complaint received 2015-06-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Management Solutions, LLC (MD)

This is being reported on my credit report. It is not mine. 

Agency Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Reported : XXXX Assigned : XXXX Classification : Medical/Health XXXX Name XXXX XXXX XXXX XXXX Number : XXXX Owner : Individual Account. 
Original Amount Owned : $ XXXX of XXXX XXXX Delinquency : XXXX Date : XXXX Owned : $ XXXX Payment Date : XXXX Date : XXXX : M - Wage EarnerComments : Bankruptcy chapter XXXX, Collection accoun
Consumer complaint received 2019-07-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: HYUNDAI CAPITAL AMERICA (CA)

We went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX to purchased XXXX XXXX. My husband communicated with salesman and sale manager XXXX before we head down there but once we got there, they told us they dont have the car. We drove 75 miles on their word they have the car on the lot! Salesman, XXXX, was very nice and helpful so we thought we will give it a chance even though they dont have the car. They promised the car by Monday XXXX the lastest but that never happened. They also overcharged us by {$1000.00} but we caught it after we got home. I reached out to XXXX but didnt hear back from him with straight answer and not within a timely manner. We wait until last Friday and the dealership still not reach out to us. We got tired of waiting for them so we went to another dealership and found out that XXXX XXXX already submitted our paperwork to Kia Motors Finance to fund a car that they never even provided! They never provided us a car but already take fund under our name. We were told when we signed paper work with them that this is not final and will not submit until they have the car. We reached out to Kia finance and they were not helpful. They said to contact XXXX  XXXX directly. This is extremely disappointing. How could north Kia get the fund for the car that they havent provided us. We would really need help. Please
Consumer complaint received 2019-07-08
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. (AZ)

There's an account from XXXX XXXX XXXX that is reporting as an unsecured loan to my credit report which I never received from them. XXXX is reporting this loan despite the many disputes and fraud packet that I have sent to clarify that this is a fraudulent account. Experian has deleted the account for fraud before but has now re-inserted the information back to my credit report. Both CRA state that they received information from XXXX XXXX XXXX which says that the loan is mine but refuse to forward the information to me the consumer. XXXX XXXX XXXX does not have any promissory note for me with my signature for a loan. Also, a fraudulent address is on my credit report and both XXXX and Experian won't remove the fraudulent address from my credit report.
Consumer complaint received 2023-02-10
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. (PA)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Consumer complaint received 2017-01-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

1 ) On XXXX XXXX, XXXX Chase Bank authorized a fraudulent check against my checking account for the amount of {$500.00}. This check was totally erroneous with an incorrect address and should not have been authorized. 2 ) Not only was {$500.00} stolen from me, it resulted in my mortgage payment being returned, accruing late fees and a {$34.00} insufficient funds charge from the bank. 3 ) I called to report the claim and have had to call multiple times, each time starting over and being told conflicting information on the status. 4 ) I finally received a letter from the bank dated XXXX XXXX, XXXX stating " We researched the transaction ( s ) your reported on XXXX/XXXX/XXXX and confirmed they were unauthorized. As a result, we credited your account {$500.00} on XXXX/XXXX/XXXX. '' 5 ) However, my account was not credited {$500.00} ; only the {$34.00} for the related insufficient funds charge. When I called the bank, I was told that was an error and they would reprocess and I should receive it within 10 days. That did not happen. 6 ) My last call to the bank was today. They are now saying that they sent the letter in error and are still investigating my claim. This is completely unacceptable.
Consumer complaint received 2023-02-10
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

After receiving a recent copy of my credit report I noticed, a company shown as : GENESIS CREDIT MANAGEMENT was reported to my credit report per XXXX XXXX I have never signed any written agreement with them. Nor never heard of them. Upon further research, debtors ' creditor did not verify this collection, also there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send a bill and say its mine. According to FCRA, this company has violated my rights as a consumer and I'm requesting legal actions to remove this fallacious account to be removed from my credit report immediately!
Consumer complaint received 2019-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a letter XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX at XXXX. It was a notice of intent to file civil lawsuit. Then someone shows up at my house looking for me to serve me paperwork for a lawsuit filed in court before my 30 days. They're trying to grab more fees and attorney fees as well. The company Portfolio Recovery Associates E-File Payment on XX/XX/2019 for {$46.00}. Granted they wrote this letter on the XXXX of XXXX and it does take at least one to two days to get to my house. This is crazy no one has enough time to respond.