davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-06-11
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. (GA)

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.

1.XXXX XXXX ACCOUNT # XXXX has violated my rights.

2.XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights.

3.XXXX XXXX ACCOUNT # XXXX XXXX has violated my rights.

4.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights.

5.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights.

6.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights.

7.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2. a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (CA)

I was on a deferment prior to restarting my education in XXXX. I was unaware that starting my education would change my deferment status with XXXX and received no notification at that time or when I stopped school for family and health issues. I received no notification from XXXX once I stopped school that my loans would be restarting. I attempted to purchase a home and discovered that my credit score was tanked by XXXX points because XXXX reported my loans as late for 30, 60, 90, 120, and 180 days. I have 2 groups of loans with XXXX totaling 5 loans. I was under then impression that I had 1 loan with XXXX because all prior notification from XXXX indicated that it was a single payment for my loan amount and included just the full balance owed. It was not until I received the 25 dings on my credit report when I attempted to purchase a house did I realize that it was 5 separate loans. I contacted XXXX who confirmed that they had an incorrect address, this address they had was never an address I lived at nor was I on any lease for. They denied having the ability to correct the report to the 3 reporting agencies and advised that I file a dispute. I filed the dispute, but XXXX denied any wrong doing or reporting so the dispute was closed.
Consumer complaint received 2019-04-02
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. (PA)

My name is XXXX XXXX and I am extremely upset with XXXX, Equifax and XXXX. I filed a police report on XX/XX/XXXX. I have sent in certified mail and fax. And XXXXXXXX, Equifax and XXXX continue to report fraudulent accounts and inquires to my report. I decided to get a lawyer and pursue legal actions against all 3 credit bureaus. this has to stop! My lawyer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX PA XXXX ) He notice several instances where XXXX, Equifax and XXXX are in non-compliance with the FCRA. 

The fraudulent accounts and inquiries are as followed : XXXX  XXXX XXXX XXXX {$6000.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX Inquiries - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX {$6000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX Inquiries- XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX {$6000.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX inquiries XXXX  XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX  XXXX XXXX Customer Service Manager at XXXX XXXX   XXXX Email : XXXX XXXX XXXX Operations Manager XXXX XXXX XXXX XXXX XXXX CEO CEO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Compliance Fraud Investigator XXXX XXXX XXXX XXXX XXXX XXXX CEO XXXX XXXX XXXX XXXXXXXX XXXX EQUIFAX XXXX XXXX President US Commercial Services and Chief Client Officer Equifax LLC XXXX XXXX XXXX President Equifax LLC XXXX XXXX XXXX Equifax LLC Svp US consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer Equifax Corp XXXX XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance Equifax Corp XXXX XXXX XXXX Senior Vice President Enterprise fraud/ID Theft Equifax LLC XXXX XXXX XXXX XXXX XXXX Equifax Corp Corporate vice president chief legal officer Equifax llc XXXX XXXX XXXX XXXX EVP Compliance and Litigation XXXX  XXXX XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX XXXX Director Fraud and Identity management XXXX XXXX XXXX XXXX XXXX Senior analyst consumer experiences XXXX  XXXX XXXX XXXX XXXX Director-XXXX Consumer Interactive Servicing XXXX XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

have been trying repeatedly to get my mortgage modified by Carrington Mortgage Services which is a devision of XXXX XXXX and have been told that it wasn't received to send it by email. When I tried that approach their site would not allow it to be done so I called and told them and was told to send it in asap. So I filled out another set of forms and sent them and all documentation by 2nd day mail requiring a signature and they waited until the XXXX to sign for it then till the XXXX to look over it just to tell me that now it was too late to do that. When I pointed out that I sent it requiring a signature etc I was told to send the proof in which I did by fax. The very next day they once again denied it for being too late even tho I was informed by a supervisor that they could still do it. I was then told to send it in one more time and again the very next day it was turned down for the same reason. My intentions have always been to keep my house however I had lost my job and am now finally starting a new job. Due to all of this happening my house is now under water as far as what it is worth compared to what they now say I owe yet I'm sure that they will find someone to say it is worth more than what I owe.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (CA)

Telephone payment made via BMW system. The system did not post the payment at the time payment made. I discovered this error made by BMW payment system and notified BMW Bank. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error occurred at the time the payment was made. The telephone system provided by BMW Bank to consumers allowing the processing of payments is not infallible. BMW to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX and I am extremely upset with Transunion, XXXX and XXXX. I filed a police report on XX/XX/XXXX. I have sent in certified mail and fax. And Transunion, XXXX and XXXX continue to report fraudulent accounts and inquires to my report. I decided to get a lawyer and pursue legal actions against all 3 credit bureaus. this has to stop! My lawyer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX PA XXXX ) He notice several instances where TransUnion, XXXX  and XXXX are in non-compliance with the FCRA. 

The fraudulent accounts and inquiries are as followed : XXXX XXXX XXXX XXXX {$6000.00} XXXX XX/XX/XXXX XXXX XXXX   XXXX {$740.00} XXXX XX/XX/XXXX XXXX   XXXX/XXXX XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX Inquiries - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX Inquiries- XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX {$6000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX inquiries members XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX XXXX XXXX Customer Service Manager at XXXX XXXX   XXXX Email : XXXX XXXX XXXX Operations Manager XXXX XXXX XXXX XXXX XXXX CEO CEO XXXX XXXX XXXX XXXX XXXX XXXX CFE CCIA Compliance Fraud Investigator XXXX XXXX XXXX XXXX XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX President US Commercial Services and Chief Client Officer XXXX XXXX XXXX XXXX XXXX President XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Svp US consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer XXXX XXXX XXXX XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance XXXX XXXX XXXX XXXX XXXX Senior Vice President Enterprise fraud/ID Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporate vice president chief legal officer XXXX XXXX XXXX TRANSUNION XXXX XXXX EVP Compliance and Litigation Transunion Corp XXXX XXXX XXXX Executive Vice  President Transunion Corp XXXX XXXX XXXX Director Fraud and Identity management Transunion Corp XXXX XXXX XXXX Senior analyst consumer experiences Transunion Corp XXXX XXXX XXXX Director-Transunion Consumer Interactive Servicing Transunion Corp XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Consumer complaint received 2019-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

I have been a customer with XXXX  since 2014 and use the service regularly. I recently bought a new phone and needed to re-verify my identity with the XXXX  app. The email address I originally used to set up the account is no longer active. XXXX is requiring US government issued identification, which I do not have as I am a XXXX citizen in the process of applying for a green card which has been applied for and is pending. I am currently and have always been a legal resident during my time in the US. 

Because of this alleged policy, they are unable to offer any way to verify my identity and as a result I am locked out of my account. I recently attempted to make a payment of {$2000.00} and am unable to confirm the status of that payment, or determine if XXXX  has any other funds belonging to me. I have offered to provide passport, immigration processing papers, and to visit one of there offices. 

Their customer service representative was unwilling to offer any solutions and in effect said that I would not be able to access my account or any funds therein. XXXX has explained they will be keeping my money, potentially thousands of dollars until I can produce US ID which is being processed and I have no way to know when it will be completed. There is no clear mention of this policy and I was never required to provide US identification to sign up for the service. After multiple requests for escalation, the customer service representative hung up on me.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I recently received a copy of my credit report from XXXX on XX/XX/2019 and they are reporting incorrect Amount past due from Capital One/Kohls this account was paid with agreed amount {$160.00} Here 's the account # XXXX listed on the report. Amount past due list {$330.00} XXXX XXXX XXXX
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I constantly receive calls and messages from a company called Portfolio Recovery claiming that I owe someone Called XXXX. I have told them repeated times over the course of a decade that I have no idea who they are and have never had an account with XXXX. They have been harassing me for years and it is way past time for the harassment to stop.
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

Ditech company is not willing to remove PMI, our property value base on the last broker price opinion that was ordered by ditech in order to remove the pmi Came out to {$660000.00} and our loan remaining is {$490000.00}, that makes our equity well over 20 % that is necessary for pmi removal, we also never missed a payment and always been on time, been contacting ditech and they not willing to remove the pmi just because they just bought the loan from my Previous loan provider XXXX XXXX please help me even that our payment history is perfect and our home price been valued sufficient, please contact me for extra Evidence that this company is abusing and not playing by book. 

I have attached the denial letter with reason that home value has decreased while in the same report from ditech broker price options shows the price increased significantly, please see both attachments, so far I called over a dozen time to ditech and emailed them many time and send many letter but each time they respond with unreasonable answers to avoid removing the pmi. Please help
Consumer complaint received 2018-08-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (LA)

I was denied a home equity line of credit by Iberia Bank because of a false debt to income ratio. I was told that my dti was 69 %. This figure is false. My documented income is XXXX a month, and my total monthly debt payments are less than XXXX. I have made numerous requests to get an explanation of how the 69 % figure was attained. No one has given me that information. I believe the real reason for the denial is age discrimination. I am completely qualified to get this heloc. My home has no mortgage, and the requested loan amount is within the allowed loan to value. Banks should not be allowed to deny credit to qualified borrowers under false pretenses.
Consumer complaint received 2019-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

A collection letter was sent to my daughter who is a minor.I called the company to explain to them that she was minor and she should not have a collection account. They told me that they could not discuss he account with me because I was not the person on the letter. They inquired as to who I was and I gave them my name. The next month, I started receiving letters trying to collect the debt.
Consumer complaint received 2018-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Receivables of NC Inc. (ME)

On XX/XX/XXXX Access Receivables wrote to me claiming that my account with my pain doctor has been placed for collection and tells me that I can not communicate with my physician or the financial department of the medical practice. Access Receivables claims I owe {$420.00} to my pain doctor when in fact I am a Medicare and Medicaid patient and the financial department has not properly billed Medicare and Medicaid. I do not owe anything. On XXXX XXXX Access Receivables called me and advised that I was refusing to pay although I informed Access Receivables of the foregoing. I have written to Access Receivables to attempt to give them my insurance information, and I attempted to give insurance information to Access Receivables by phone, but the representative of Access Receivables refused to accept my insurance information and repeatedly demanded payment.
Consumer complaint received 2018-08-25
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. (TN)

I have now tried THREE TIMES via direct dispute with XXXX, XXXX, and oh boy, Experian! to have the account status of a PAID COLLECTION updated CORRECTLY. For SOME REASON, when I paid it off, it was updated as " debt included in or discharged through bankruptcy chapter XXXX '' " debt included in personal recievorship. '' I HAVE NEVER EVEN FILED FOR BANKRUPTCY LET ALONE COMPLETED ONE! I've called the creditor to have this removed, they swear they never reported it! I've disputed it THREE TIMES with the credit bureau who EVERY TIME swears, the creditor confirmed the information is correct! NOW I DON'T KNOW OR EVEN CARE WHERE THE DISCONNECT IS, I WANT IT FIXED! PAID COLLECTION! HOW HARD IS IT TO CHANGE THE STATUS TO " PAID COLLECTION?! '' IF YOU CAN'T DO THAT, REMOVE IT FROM MY CREDIT REPORT ALL TOGETHER! 

XXXX XXXX is the creditor. I have NEVER had SO many problems with something SO XXXX simple!
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

COMPLAINT on Transunion, XXXX, XXXX : My wife and I are XXXX XXXX. We have submitted information to have changes to show combined income but nothing happens. Jointly, we have an income of {$72000.00}. However, the reporting agencies show me at {$32000.00} and my wife separately at approx. {$30000.00}, which first of all is incorrect in amounts. BUT the main concern is that My debts are reflected in her income and her debts reflected in my income level. Therefore, the debts ideally are considered twice lowering both our scores. It seems that if both of us are responsible for the same debts then the total combined income should be used when doing so. What they are causing is an imbalance of our debt to credit percentages which poorly reflects our credit worthiness when these reports are pulled for service to us. Please help us with having this considered and adjusted. Thank you.