davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-19
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: EQUIFAX, INC. (GA)

Equifax and XXXX are reporting incorrectly a balance due of {$8800.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) On XX/XX/2019 I went to the XXXX XXXX precinct and filed an identity theft report. While checking my credit report, I discovered that an unknown individual opened several accounts and did about 30 inquiries with my personal information. I have moved several times and at one point I lost my drivers license and social security card. I did not open this account nor did I give anyone authorization to use my personal information to open and account. I have attached a copy of the police report prepared on XX/XX/2019 along with a copy of the signature page. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to resolve this, however I have not been successful.
Consumer complaint received 2019-07-19
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)

XXXX and Experian are reporting incorrectly a balance due of {$8100.00} on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) On XX/XX/2019 I went to the XXXX XXXX precinct and filed an identity theft report. While checking my credit report, I discovered that an unknown individual opened several accounts and did about 30 inquiries with my personal information. I have moved several times and at one point I lost my drivers license and social security card. I did not open this account nor did I give anyone authorization to use my personal information to open and account. I have attached a copy of the police report prepared on XX/XX/2019 along with a copy of the signature page. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to resolve this, however I have not been successful.
Consumer complaint received 2019-07-19
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: EQUIFAX, INC. (GA)

Equifax and XXXX are reporting incorrectly a balance due of {$8100.00} on the XXXX   partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) On XX/XX/2019 I went to the XXXX XXXX precinct and filed an identity theft report. While checking my credit report, I discovered that an unknown individual opened several accounts and did about XXXX inquiries with my personal information. I have moved several times and at one point I lost my drivers license and social security card. I did not open this account nor did I give anyone authorization to use my personal information to open and account. I have attached a copy of the police report prepared on XXXX along with a copy of the signature page. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to resolve this, however I have not been successful.
Consumer complaint received 2018-05-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WI)

I have parent plus loans consolidated from XXXX XXXX XXXX in XXXX XXXX, WI and XXXX XXXX University combined for my XXXX children. When my daughter graduated from XXXX all loans were consolidated into one loan making a huge monthly payment. I have been on an income based repayment plan since 2015. The beginning principal balance of the loan on XX/XX/2015 was {$200000.00}. I have made every monthly payment requirement since then and my loan balance has done nothing but increase due to capitalized interest every year. The current balance is now {$230000.00}. As long as I live, I will never be able to repay this loan. Navient has put me in an unfair, impossible situation I will never recover from. My income will never be enough to support this payment schedule. Navient has told me that as long as I pay for the next 25 years, the loan will be forgiven. I am a parent who decided to help my children and now I will be financially burdened until I am XXXX years old! I do not want foreberance or deferrment, I am willing to pay this debt just not under these impossible terms ....
Consumer complaint received 2019-07-19
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: Experian Information Solutions Inc. (OK)

On XX/XX/XXXX I filed Chapter XXXX bankruptcy, which including all of my accounts and XXXX XXXX. XXXX XXXX then sent that account to collections. My attorney sent them all the necessary paperwork. In XXXX I was unaware that they had put a lien on my house until I went to sell. Another motion was filed on XX/XX/XXXX including XXXX XXXX, again, they were added back to the original bankruptcy of XXXX. It was removed, from the title due to the evidence presented and my house was sold. I then received countless collections letters from a Collection Agency, which I sent to my attorney. I then disputed this online 3 times the credits bureaus with no change. 
On XX/XX/XXXX, I sent Experian, XXXX XXXX XXXX   certified mail, return receipt requested with all of the following, 1 ) my original bankruptcy, 2 ) the amendment to it, 3 ) a notarized copy of my DL and SS card to prove my identity, 4 ) a current copy of their current credit report, and 5 ) even proof of receipt of filing in court. They have since documented this on my credit bureau and the collections remained. Says creditor disputes this. All three are the same. My credit score has now dropped below 700.
Consumer complaint received 2022-06-07
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. (FL)

I sent all 3 credit bureaus My FTC REPORT, I.D, SS, And utility bill as well as a cover letter explaining the unauthorized inquiries and fraudulent account that are reporting to all 3 credit bureaus. They still have not removed these accounts on my report.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2019-07-19
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: Rocket Mortgage, LLC (NC)

On XX/XX/2019 I applied on line qith my current mortgage company for a 2nd home loan. I was denied. Immediately, after that I started getting calls from representatives from quicken loans but in a different department attempting to offer me a new FHA rate. I said no to at least 3 different people and I asked them to remove my information but that did not happen. So on XX/XX/2019. I receive a call from another quicken representative XXXX XXXX and I finally agree to listen to his sales pitch but it would have to wait until XXXX later that day because I was at work. I explained to XXXX that I did not want my credit ran a 2nd time because his company had just ran my credit 6 days ago and he should be able to use that. At XXXX XX/XX/XXXX I get a notification that a hard inquiry had been added on all 3 credit reports. Shortly after I get a call from XXXX. I advised XXXX that I did not authorize another inquiry and I am very upset by this. I asked them to contact the agencies and have the inquiry removed due to it was unauthorized and fraudulently pulled. Matter of fact it was done without me being on the phone. XXXX 's superior was listening in and took over the call. He argued me down that this would not impact my credit. I advised him I dont care I want it removed because it was done without my knowledge and consent. He continued to stress his point. I got no resolve from him. I need this inquiry removed from my credit report with all 3 credit bureaus
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (OH)

On XX/XX/2021 I, sent a debt validation letter, as well as a cease and desist letter via certified mail to XXXX XXXX XXXX in regards to an alleged debt from ORIGINAL CREDITOR ( XXXX ). XXXX XXXX XXXX DID NOT or simply COULD NOT validate the alleged debt so they removed it from my credit file with the BUREAUS. On XX/XX/2021 the same alleged debt/collection from ORIGINAL CREDITOR ( XXXX ) reappeared on my credit reports under a different Collection Agency name : Receivables Performance Management. On XX/XX/2021 a debt validation letter and cease and desist letter was sent to Receivables Performance Management via certified mail. Violation ( 1 ) Pursuant to 15 USC 1681i ( 5 ) ( A ) ( i ) Treatment of Inaccurate or Unverifiable Information 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- 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 ; Violation ( 2 ) Pursuant to 15 USC 1692g of the FDCPA Validation of Debts ; Violation ( 3 ) Pursuant to 15 USC 1681i ( 5 ) ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). Violation ( 4 ) Pursuant to 15 USC 1681i ( 5 ) ( B ) ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the the information is complete and accurate.
Consumer complaint received 2019-07-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

ON XX/XX/2019 I WAS FRAUDED FOR THE AMOUNT OF XXXX. A PERSON BY THE NAME XXXX XXXX STATING THAT HE WAS FROM THE LOAN MODIFICATION DEPARTMENT FROM M AND T BANK MORTGAGE COMPANY. HE STATED HE WAS REACHING OUT TO ME REGARDING THE LOAN MODIFICATION REQUEST I HAD LOOKED INTO A SHORT TIME BACK. HE STATED THEY WERE ABLE TO HELP ME WITH THE LOAN MODIFICATION AT THIS TIME. HE STATED THAT I HAD TO PAY THE ESCROW FEE OF XXXX IM LIEU OF THE REGULAR PAYMENT. THEN THEY COULD PROCEED WITH THE MODIFICATION. AFTER SPEAKING WITH HIM FOR A SHORT TIME HE ASKED WHAT WOULD BE A REASONABLE PAYMENT AND I TOLD HIM ABOUT XXXX A MONTH. SINCE I AM ON A RETIRED INCOME BUDGET. HE SATED THAT HE COULD LOWER THE PAYMENT TO XXXX MONTHLY. THAT THE FIRST 3 PAYMENTS WOULD BE THE TRIAL PAYMENTS AND HAD TO BE ON TIME. AFTER SPEAKING WITH HIM I CALLED M AND T BANK USING THE NUMBER I HAVE ON MY PHONE AND VERIFIED THAT IF SOMEONE FROM THE MODIFICATION DEPARTMENT CALLED ME A N EMPLOYEE FEMALE STATED YES THAT THEY DO CALL OUT AND REACH OUT TO CUSTOMERS. SO I PROCEEDED WITH EXCITEMENT THAT IT WAS /HE WAS LEGITIMATE. I MADE THE FIRST PAYMENT AS STATED ABOVE. HE ALSO STATED NOT TO MAKE THE REGULAR PAYMENTS THAT THE NEW AMOUNT WOULD BE THE NEW PAYMENTS. WHEN I WAS GOING TO MAKE THE SECOND PAYMENT SOMEONE TOLD ME THAT A MORTGAGE COMPANY WOULD NEVER ASK FOR A MONEY CARD TO MAKE A PAYMENT. SO I CALLED M AND T BANK THE MODIFICATION DPARTMENT AND THEY TOLD ME THEY HAD NO LOAN IN PROCESS AND THEY HAD NOT RECEIVED THE PAYMENT. I SPOKE WITH A XXXX A THERE AT THE REAL M AND T BANK. AND EXPLAINED I WAS A VICTIME OF FRAUD AND IF THEY WOULD WORK WITH ME. ALTHOUGH THEY WERE SOMEWHAT SYMPATHETIC, THEY SAID I HAD TO PAY TWO PAYMENTS BY END OF XXXX TO AVOID FORECLOSURE. SINCE THEN I HAVE FILLED OUT AND MAILED A MODIFICATION PACKAGE ON XX/XX/2019 AND SET UP THE PAYMENT FOR XX/XX/XXXX FOR THE TWO MONTHS. I ASKED IF THEY COULD PROCESS THE PAYMENT N XX/XX/XXXX THAT I WOULD HAVE THE MONEY NEEDED IN BANK BY THEN. THEY SAID NO THEY COULD NOT WAIT UNTIL XX/XX/XXXX. THAT I HAD TO HAVE THE PAYMENT BY XX/XX/XXXX. I FEEL SINCE I WAS A VICTIM OF FRAUD THAT THEY COULD WORK WITH ME ALL I NEED IS TIME TO CATCH UP THE PAYMENTS. THEY WERE NOT AS SUPPORTIVE AS I THINK THEY COULD BE.UNDER THESE CIRCUMSTANCES, I AM FILING THE COMPLAINT BECAUSE I BELIEVE THEY COULD WORK WITH ME TO CATCH MY PAYMENTS UP UNDER THESE TERRIBLE CIRCUMSTANCES I TAKE FULL RESPONSIBILITY THAT I MADE A MISTAKE AND WAS FRAUDED.
Consumer complaint received 2019-07-19
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. (MO)

All of my major credit bureaus are correctly reporting that I have no public records. A former bankruptcy was properly deleted in XXXX 2019. However, they continue to say I have a bankruptcy on their XXXX score which all three of the major compile. I would like it removed.
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting act Fair Collections and Out 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 2019-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (WI)

I opened a US BANK cash+ credit card under the banks strong recommendation on XX/XX/2017.  She told me I will get a {$150.00} new cardmember bonus after I spend {$500.00} in first 90 days. However, I have met that requirement for a long time. But I never received the bonus. I called the credit card service center once in XX/XX/2017. They told me they need more time to process my bonus with a visa gift card. But, still, I never received it. I have contacted the banker several times and she never responded to me.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent XXXX XXXX, XXXX, XXXX and Transunion documents stating that I am a victim of identity thief. Transunion, XXXX and XXXX all removed XXXX XXXX account the reinserted it after the dispute was completed. I Call them all and the said this XXXX XXXX account can't be removed or re-disputed. I sent them all a copy cover letter, ID, SSN, utilty bill, police report notarized. XXXX XXXXXXXX Acct # XXXX Bal {$2100.00} date opened XXXX closed XXXX
Consumer complaint received 2019-11-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (FL)

Calvary Portfolio Services is attempting to collect on an alleged debt for XXXX. The problem is they have made countless legal threats, which is a violation of the fair debt collections practices act 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken. I want this harassment to stop. I am requesting they also respond to my attached letter. I believe they have also been recording my telephone calls without my consent.
Consumer complaint received 2019-07-19
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: Experian Information Solutions Inc. (CO)

XXXX ; Experian and XXXX are reporting incorrectly on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This Bankruptcy is over ( 7 ) years old and reports a {$0.00} balance. Reporting this line item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  ; XXXX and Transunion are reporting incorrectly on the XXXX XXXX CO XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This Bankruptcy is over ( 7 ) years old and reports a {$0.00} balance. Reporting this line item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IN)

Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Citi Bank N.A, to XXXX, XXXX  and XXXX. I discovered 12 Errors on Each report. Which indicates that Citi Bank N.A. broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent to letters on Citi Bank N.A. via Certified US Mail, inquiring about the loans reported to my XXXX and two letter XX/XX/2019inquiring about the loan on my XXXX. They responded XX/XX/2019 Informing me that there were three loans, ( XXXX, XXXX, and XXXX ) that they were responsible for reporting on. I myself only discovered two loans reported to XXXX  and XXXX. What and where did this loan third loan come from and what is the information on it. They seem to very secretive. I wrote XXXX and XXXX  but certified Us Mail With Retuned Receipts on XX/XX/2019. These accounts have been removed from my credit since they were brought and consolidated. They need to be held accountable for breaking the laws.
Consumer complaint received 2019-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (FL)

I spoke with XXXX college on XX/XX/2019, not only it was cancel but they removed the {$1000.00} and change it to {$260.00}. I was told from two reps that they were going to forward the updated amount of {$260.00} to XXXX XXXX, however Ability recovery is refusing to honor the amount from XXXX college. Also I disputed the information with XXXX, XXXX can back saying that the amount was updated. but it still showing the amount of {$1000.00}
Consumer complaint received 2019-07-19
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: EQUIFAX, INC. (CO)

Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This Bankruptcy is over ( 7 ) years old and reports a {$0.00} balance. Reporting this line item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.