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: 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. (NC)

After numerous disputes with credit bureaus, the company, two complaints to XXXX, and this is the second complaint to your agency. I have provided documents to all the credit bureaus and every time this company either auto verifies or validates inaccurate information on my file as accurate. They have violated FCRA several times. The credit bureaus and this company are in collusion. They have validated on two or more occasions information as accurate. I then submit proof showing they deliberately continue to report inaccurate information on my file. They report the account as closed, they reported the balance incorrectly, the type of account, and payment history to all the bureaus. XXXX, XXXX, and Equifax continue to act blindly and do not enforce FCRA statutes. All the investigations from bureaus regardless of the documents provided go back to this scum bucket company that validates or takes my proof to then update the information to be accurate thus the collusion because the bureaus allow it happens and leave this fraudulent information on my file. This item has been disputed over 7 times since 2019. I have never even entered into a legal agreement with this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been told by the employee of this XXXX LLC that every time I dispute it is just a click of the mouse saying the record is accurate. On some occasions the dispute would be resolved in XXXX hours with the bureaus. Time and time I have followed the FCRA guidelines identified the inaccurate data but yet for over 3 years this item has remained on my file affecting my life negatively. My credit score has taken a toll which affects my financial situation at home because my rates on loans and other items using the credit score are affected. I have not been able to purchase a home or other transactions due to this company 's refusal to do the right thing along with the bureaus. FCRA just asks that a company reports accurate and truthful information to the bureaus. They have made this personal since they acquired this debt which is illegal. They are the scum of the earth and because I told them to XXXX XXXX, they continue to report false information.
Consumer complaint received 2016-07-30
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (VA)

On XXXX XXXX, 2015, XXXX from XXXX contacted us and stated that they had worked out a modification with Freedom Mortgage. However, one of the requirements from Freedom was that we had to deposit 2 months of payments in a trust. XXXX had deposited the money to get the modification approved, but we had to replace it to be distributed to Freedom. Two payments in the amount of XXXX was drafted from our bank account. We were told by Monty that we would receive the modification paperwork by XX/XX/XXXX. But we never received any paperwork for a modification. We have requested a refund from XXXX, which was addressed to client relations. We were told in XX/XX/XXXX that we would get a refund within 45 to 60 days and we still have not received our refund of {$2700.00}. Subsequently, a second request has been sent to client relations, but no response. I am attaching the second request and the XXXX ruling. Thank you for your assistance in this matter. We had our VA representative to contact Freedom and he was informed that they had received a cease and desist from XXXX but nothing else.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

It is concerning to find an error indicating a late payment on my account, given my consistent adherence to payment deadlines. This inaccuracy is generating unnecessary stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
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: Experian Information Solutions Inc. (OH)

My personal information was exposed in various data breaches and someone has successful opened up accounts and applied for good, services, and money without my consent. All accounts and inquiries included were unauthorized and I need them removed immediately. I'm looking to apply for a mortgage and these unauthorized accounts are ruining my reputation with the banking system.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 i wrote complaints to the 3 credit bureaus with no success of them correcting their fraudulent practices. They have put out {$60000.00} of fraudulent information on my credit. They violated 15 U.S Code & 1681b. 
I am writing to you about my rights that have been violated by the credit bureaus. In closed are the codes that have been violated, and included in this package are the letters that I sent to each bureau. I deserve my protection by law. They have caused me many problems with the misinformation and fraud that they reported. I was waiting on a responds from them 60 days ago and I got nothing. I am seeking help with these issues. I await your response thank you.
Consumer complaint received 2020-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I received a credit alert that LVNV Funding LLC reported a collection on my credit report. I never had any communication from this company prior to this event. No letters or a single phone call. This has caused stress. I have never had an account with their client and I do not recognize the debt that they are claiming that I owe.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (TX)

On XX/XX/XXXX, my payment was due. My payment was mailed on XX/XX/XXXX. The payment was not posted until after the XXXX and a late fee was posted to the account. Today, I contact the bank to find out the ways that I can make a payment knowing full well that if I mailed my XX/XX/XXXX payments tomorrow, it would not get posted until after the XXXX. The bank notifies me that there are only XXXX other ways of sending the payment that does not include mailing it in. The only other XXXX ways is either by having my financial institution mail a check to them ( which is the same thing as a check being mailed by me ), or to pay {$10.00} for my payment to be taken by phone using my routing and account number. So I'm forced to mail the payment either 20 days before the due date, pay {$10.00} or pay a late fee of {$40.00}. This is completely unacceptable.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (KS)

I am angry because I had deposited my paycheck in my chime checking account. I had thought my check would be deposited by the end of today, but no they are telling me the XXXX of this month. I can't wait until then because I have bills that are due now. They are holding my money hostage and stealing it.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the fair credit reporting act. The account list below has violated my federally protected consumer rights to privacy and confidentialty under 15 USC 1681. 

Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX Have 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other advertise item of information, other than records of convictions of crimes of which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2023-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (CA)

I got the bill from RMP <LLc for XXXX what should i paid since I have the bill always paid by online by XXXX XXXX I have XXXX XXXX and medical... I don't undertand the bill since XXXX XXXX XXXX # XXXX and I change to XXXX # XXXX Since I don't known what the bill for and send me the collection
Consumer complaint received 2019-07-07
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: CNG HOLDINGS INC (OH)

Contacted XXXX XXXX concerning said debt. 
XXXX XXXX  attempting to collect a debt now owed. Ive asked them for a wet signature but they cant provide a signed legal document. This is my last attempt before I seek legal counsel. XXXX XXXX is stating they didnt receive any documents from original creditor TEMPOE also Known as Why not lease it. 
Some with complaint Im requesting a signed documentation from all parties involved.
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Scammers called me claiming to be XXXX, the power company. They told me that my payments hadnt gone through and that they would shut down my power if I didnt pay a verification fee. I payed XXXX dollars but the scammers said the system needed more. I paid XXXX dollars more. They said they needed my bank information to refund my money and thats when I knew they were scammers they already took {$650.00} dollars at this point and they wouldnt refund, they started getting aggresive and more threatening so I hang up.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

A check for {$3500.00} was fraudulently deposited into my bank account and was not made by me Bank of America is XXXX  XXXX  me as a XXXX young man and saying verified as accurate they can clearly check the security cameras where Im not on them once. This is putting a pause on my life right now because I cant open any banks or credit unions they will benefit right now
Consumer complaint received 2017-05-30
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: EQUIFAX, INC. (TN)

I sent a dispute letter to the credit company for the numerous amounts of unauthorized inquiries on my credit report that impacting my score and chances of acquiring credit. They have been giving me the run around for months about this situation. I sent the letter through certified mail to ensure the safety and timeliness of the letter getting to the credit company. The letters were mailed out on  XXXX   XXXX ,  2017  and I have not received any forms of communication about this situation. I need this deleted off my reports as soon as possible.   Thank you.
Consumer complaint received 2021-11-30
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. (TX)

I have sent letters to the XXXX credit bureaus ( XXXX, Equifax and XXXX ) disputing a collection account ( XXXX XXXX XXXX ). I asked for validation of this alleged debt for the past XXXX XXXX months. I got a written response from XXXX and Equifax stating the account was verified but no supporting documentation on how their company retained the results and XXXX sent response vie email stating that their company verify that the account was accurate. I would like to see supporting documents of their finding when I received a letter dated XX/XX/2021 from XXXX XXXX XXXX that this company required the account from XXXX XXXX XXXX.
Consumer complaint received 2023-03-20
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. (NC)

Issues with XXXX not allowing me to file complaints at all anymore about the issues that I am having. Equifax has me listed in a fraud thing and they havent tried to fix anything. Its under XXXX XXXX, i am XXXX XXXX. I am so sick of people taking my information and then me being blamed for everything.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/23 I submitted a dispute to the credit reporting agencies to validate and send physical evidence such as a signed contract by me or signed agreement between the accounts reporting. The following accounts are XXXX XXXX and XXXX XXXX. They have not produced such documents verifying these accounts to me. Please see attached letter. As per 15 US 1681 ( e ) ( b ) 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. the are non compliant and negligent with the information they are producing on my behalf.
Consumer complaint received 2020-12-22
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. (GA)

I checked my credit reports through XXXX XXXX and Experian. I have two credit cards with XXXX and on all my credit reports, it shows that one of my credit cards has been closed. XXXX said everything is normal and their no restrictions on the accounts and dont know why they would show closed on my reports. My credit reports are being tampered with and Im in the middle of home buying. I need help. Closing accounts can show as negative on credit reports and I need to know why this happened. Its not fair.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (TX)

Creditor reporting falsely on my credit reports as opened account was XX/XX/XXXX for XXXX, National Credit Adjusters reporting opened XXXX, XXXX XXXX reporting opened XXXX and balance amounts would like an investigation into this matter.
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-20
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: JPMORGAN CHASE & CO. (CA)

Per Title 15 USC 1681 [ N ] a XXXX dollar fine shal be implemented for each inquery not expressed consented by myself the consumer, cease and decist all reporting not expressly written by me the consumer.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
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 — Account information incorrect
Company: AES/PHEAA (MA)

I had some of my XXXX XXXX XXXX with Fed Loan and in XXXX they were put into what I thought was deferment. However the person who put them into deferment didn't code it correctly so on their end it looked like I missed several payments which they reported to the credit bureau and on my end I was under the impression I didn't have to currently make payments. Fast forward to XXXX when I was in the process of purchasing my house my credit score was pulled and it was brought to my attention that I had several delinquent payments ( XXXX ) on my account that was reported by Fed Loan in XXXX. I contacted Fed Loan and after a short conversation I was reassured that they were going to take care of this situation and contact the credit bureau and have it removed off my report and they realized what the person who put the loans into deferment had done it wrong. Now fast forward to end of XXXX I was notified by Fed Loan that all my loans were being transferred to XXXX. I happen to look at my credit score today and realized it dropped almost XXXX points in a month and half and that the XXXX late payments are showing up on my credit report again. I contacted XXXX regarding my credit report and they looked up what the late payments were and said they were all from Fed Loan from XXXX and to contact Fed Loan and they will hopefully be able to help me take care of it again. However I tried to contact Fed Loan to address this issue and Fed Loan no longer exists because now all federal student loans are out of XXXX. When you call the Fed Loan number it automatically disconnects and XXXX said unfortunately they cant help because the late payments were reported by Fed Loan so only they can remove them. So I am coming to you for help on the situation.. Thank you!
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (TX)

According to the State Licensing Requirements the debt collectors that's collecting on my debt for Caine & Weiner, using address XXXX XXXX XXXX, XXXX XXXX, CA XXXX, isn't registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas XXXX for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non compliance.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

on or about XXXX/XXXX/2016 i noticed XXXX charges for items that i did not charge to my Citi Bank credit card. after doing some research the company gosq.com looked like a realestate company but the goods that i supposedly purchased were Phone or audio equipment. I contacted Citi Bank to dispute the charges that i did not make. Citi bank removed these charges pending a investigation and contacted me by secure mail stating the merchant had 60 days to reply. The Merchant sent back a letter stating that my Credit card information was entered manually. i at no time ever made any purchases from any Company or organization named or known by gosq.com. at no time have i entered my information manually into a square card reader. Around XXXX/XXXX/2016 i received a letter in the mail from XXXX and in this letter they stated that their servers containing client payment information had been compromised on XXXX occasions. The letter goes on further to say that this information contained names, addresses, credit/debit card numbers, security numbers and mailing addresses. I faxed this letter to Citi Bank fraud department. Recently the Charges were added back to my Citi Bank Credit card and Citi bank says that the investigation is still going forward. I sent Citi bank back a notarized letter stating that at no time did i authorize these XXXX purchases {$190.00} and {$98.00}. at no time did i give anyone my Credit card to use to make these purchases nor have i ever met or no anyone from a company named or going by XXXX. i asked Citi bank to issue me a new card as my numbers and information had been compromised and i have called several times trying to obtain information as to why these XXXX fraudulent charges have been added back to my billing.