davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I notice there is an incorrect data on my credit profile. As such, it is a very serious error in reporting. I reached out to all three credit bureaus XXXX, XXXX, and Equifax to dispute erroneous reports provided by XXXX XXXX XXXX. 
XXXX XXXX showed several discrepancies between the three reporting agencies : XXXX reporting balance as {$5300.00}, reporting 120 days past due. Has missing, incomplete and inaccurate data reported monthly. List a {$6900.00} balance for XX/XX/XXXX ledger but has starting balance of {$6900.00}. The high balance history is incorrect Equifax reporting balance as {$5300.00}. Has missing, incomplete and inaccurate data reported monthly. Last updated XX/XX/XXXX XXXX has missing, incomplete and inaccurate data reported monthly. Listed as current/ terms met but data provider noted paying partial which is purposefully misleading information. reporting balance as {$5300.00}. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to validate this information. 

This information has greatly impacted my ability to qaulify for other opportunities and I have been denied opportunities. 

Therefore, I need the following information from you : The amount you claim the Principal owes you. 
IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. 
Full accounting ledger. 
All legal documents. 
An explanation showing me how you have computed the amount. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. 
Evidence that you are a licensed debt collector. 
An invoice of the products/services ordered. 
Dates of products/services being rendered. 
The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule If you can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report.
Consumer complaint received 2022-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have contacted Portfolio Recovery several times by certified mail ( with receipts ). This company continues to report negative collections to my credit report which is damaging my credit continuously. Portfolio Recovery tried to sue me in court for the collection of {$2800.00} / {$2800.00}, and failed to show up in court and the case was dismissed by the judge. Also, Portfolio Recovery has since then started reporting the false collection as 1 % paid on my credit report and updating this monthly. I HAVE NEVER PAID THIS COMPANY ANYTHING! This is causing a havoc to my lively hood and I would like this collection to be removed asap. Shame on this company for false reporting.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (HI)

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00}
Consumer complaint received 2022-07-26
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. (NJ)

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 719XXXX has me at a score around 590. 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 2022-07-26
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. (AR)

I recently realized several accounts I've never applied for nor received any credit, money, etc that has been appearing on my credit reports. During this time I've reached out to the bureaus, my local law enforcement, and original creditors in trying to resolve this issue. I recevied a letter from a fraudulent account listed under XXXX XXXX XXXX XXXX XXXX XXXXat was previously deleted now reinserted. I've sent Equifax supporting documentation from greensky in regards of them closing this account due to fraud but for some reason this account continues to report on my credit file. Under the fair credit reporting act as a fraud victim this violates several statues and this account should not be reporting on my credit file at all. Equifax has received supporting documentation such as identity theft affidavits, a police report, and disputes.
Consumer complaint received 2022-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (TX)

XXXX XX/XX/XXXX after just learning I had been denied for a loan modification which i was seeking a forbearance sent in by a realty company, XXXX XXXX XXXX on XX/XX/XXXX. I received notification the house was up for sale. ( Note on XX/XX/XXXX received notice from XXXX XXXX that I could do a Short Sale. I said I didn't want it because i was hoping to keep my home and that was not wat i told that realty company to do and at the end of XXXX they told me to send in another borrowers package and so I received it in the mail. 
*I called on the XXXX of XXXX to ask wat can be done and was told to send in a borrowers packet by the XXXX of XXXX. 
*I called on the XXXX of XXXX and was told she would forward to the people to review it and I was amazed that they had had it for 5 days and had done nothing. 
*I called on the XXXX of XXXX and was told you are in your 37 days and this was not explained to me as I was just approved for a Short Sale and was told to send in paperwork. 

XXXX*I feel led on and with the previous company going behind my back I was not sure wat to do and have no where to go or any money saved, so I would be XXXX  I have multiple agencies here XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX filled out, who are approving my applications as we speak. I now qualify for these as my son is no longer living here, so his income doesn't count. 
**I 'm very confused as to how they can ask you to go through hoops and not respond and all of a sudden there is a 37 day requirement which in was approved for a short sale in the middle of but they still filed for short sale!!!. I called XXXX XXXX and never received multiple call backs or letters from XXXX XXXX. I have sent her multiple letters and borrowers package .... No response. I also have an investor XXXX XXXX interested in a short sale, which I was previously approved for! XXXX XXXX sent me a borrowers package in late XXXX or the agent did. 

**Its no wonder this agency has a bad rating and its horrible what they are putting their customers through. 
***Please stop the foreclosure and help me not XXXX be XXXX. I am XXXX due to a wreck in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

PLease help me... I DO HAVE THE ACTUAL RECORDINGS IF THOSE ARE NEEDED BUT COULDNT FIGURE OUT HOW TO SEND THEM
Consumer complaint received 2022-07-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX Account number XXXX ( 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 an account without my written instructions
Consumer complaint received 2022-07-26
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. (MD)

After pulling a copy of my Consumer credit report I noticed TransUnion is in multiple violations and I am entitled to monetary compensation under FCRA 15 U.S Code 1681s-2.

I would like to be removed and compensation paid.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

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. 

XXXX XXXX XXXX Date Opened : XXXX/XXXX/XXXX  Balance : {$71.00} or XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$180.00}.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

I accidentally made an extra payment on my mortgage with Home Point Financial in XXXX, 2021, such that XXXX payments were made. My online account management portal indicated that no payment was due in XXXX, 2021. I then adjusted the autopay feature of my mortgage to draft my next payment on XX/XX/2021 because I was a month ahead of schedule with regard to payments. On XX/XX/2021, an autopay payment nonetheless was drafted from my bank account. I spoke with a customer service representative, who explained that a system error had occurred and that I should submit a request for refund from their general help email address. I submitted this request, only to be notified by Home Point Financial that they would not do so without a bank statement reflecting the draft. I explained that bank statements are obviously provided at the end of months, while the payment they incorrectly drafted occurred on the first day of the month in question, and thus I could not furnish a bank statement -- I provided a screenshot nonetheless of my bank transactions to reflect the incorrect autodraft payment. Home Point Financial 's customer service once again insisted in reply that I must provide a bank statement. I would like to bring to attention this deceptive and predatory lender 's tactics to dodgXXXX accountability for an error on the part of their payment processing systems, and unwillingness to rectify the results.
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company (MA)

Freedom HO Insurance, Policy Number XXXX, Freedom Mortgage Loan number XXXX, Phone Number XXXX XXXX XXXX Received letter from Freedom Mortgage XX/XX/XXXX requesting proof of Home Owner 's Insurance. Emailed XXXX the current policy that covers XX/XX/XXXX to XX/XX/XXXX. Explained to them I will provide the XX/XX/XXXX to XX/XX/XXXX when the Insurance Agent forwards it to me. Over the course of XXXX months I have emailed and called several times. Nobody claims to have received my emails with the policy. I received a notice XX/XX/XXXX saying they are going to purchase insurance for {$2500.00}! I am uploading the email history, current Home Owner 's Insurance Policy, Insurance Agent letter, Freedom notices.
Consumer complaint received 2022-07-13
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. (NJ)

On XX/XX/2022, XXXX removed an inaccurate account from my consumer report XXXX XXXX # XXXX. According to the FCRA 15 USC 1681i ( A ) ( 5 ) ( D ) consumer reporting agencies are supposed to report the results of a reinvestigation of inaccurate information to other reporting agencies. Ive disputed these accounts with Equifax and they have failed to provide me with a fair and accurate reinvestigation, if they did they would know those accounts are inaccurate and that they have caused grave damage to my reputation due to their unfair report methods. This accounts still remain on my consumer report as a direct violation of multiple laws within the FCRA.
Consumer complaint received 2022-07-13
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. (HI)

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Messerli & Kramer P.A. (ND)

Suit was filed by XXXX and XXXX  XX/XX/XXXX, attempted to reach out as the debt from XXXX XXXX XXXX XXXX XXXX was to have been previously paid with resurgent capitol but per XXXX and XXXX and XXXX it was not. Asked for documentation and was sent verifying. Reached out in XXXX of XXXX as I was advised they moved on with suit in court. Judgement was made I was contacted by my bank in XXXX of XXXX about a garnishment on my savings account. A phone call was placed to XXXX  and XXXX. Spoke with the first representative who advised in an unprofessional manor that its done and they will take the money no matter what they didnt care. With no negotiation possible. I called back later and spoke with a supervisor named XXXX and she agreed to negotiate the total of {$XXXX} to a new amount of {$XXXX}. I agreed to this, and asked if I would be sent documentation on this and also my bank. She stated that it should be received in a week and all I needed to do was agree to the amount with the bank and release the funds. Waited till XX/XX/XXXX and nothing was sent attempted to call XXXX  and XXXXr and per the XXXX XXXX XXXX they have not received anything either. Left a voicemail on their box for a call back waited XXXX week. No calls or voicemail, called again and left a second voicemail. Once again no documentation or info let alone a call. My mother passed away and left it alone for a few weeks. Call was made again in the first week of XXXX. No info or calls returned. Was advised by XXXX XXXX XXXX that a order judgement was sent to release the funds to them in the original total with interest, not the agreed upon amount of {$XXXX}. Placed a cal that day which is today XX/XX/XXXX. Once again just a voicemail as no one was available. I believe that they should have been required to hold their word and follow through with the agreement made. And not collect the larger sum, with interest.
Consumer complaint received 2022-07-13
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX, TX XXXX XX/XX/2022 Dear Experian, I, XXXX XXXX consumer and a natural person am aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

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

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

XXXX. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

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

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

XXXX. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

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

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

My American Express credit card was closed without warning. There was recent fraud on my account because my identity was hacked online and next thing I know the account is closed without any warning nor contact made. To make the situation even worse the reward points that I worked hard to acquire were taken away forfeited for no fault of my own at all. I earned those points with my spending of my hard earned money and also paying it back. They had to right to take my points and just cancel my account. I want my points that I earned back and getting bullied by a multi-billion dollar company.
Consumer complaint received 2022-03-09
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. (IL)

Ive been in contact with all 3 credit bureaus regarding this matter and they have ignored me. Ive reached out to them, XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. The bureaus have lied to me and have not done their due diligence to verify the accounts in dispute.
Consumer complaint received 2023-03-18
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. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some inaccurate information that is currently being reported on my credit report. Upon reviewing my credit report, I have identified several negative items that require immediate attention. 

Firstly, there is an account under the name of XXXXXXXX XXXX XXXX with account number XXXX. However, I do not have any record or knowledge of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report as soon as possible. 

Secondly, there is an account under the name of XXXX with account number XXXX. I find this account 's name and number questionable, and I urge you to either clarify this information or delete this account from my credit report immediately. 

Thirdly, there is an account under the name of XXXXXXXX XXXX XXXX XXXXXXXX with account number XXXX. While other bureaus have not been able to verify this account, I am surprised that it is still present on my credit report. Therefore, I request that you delete this inaccurate account immediately from my credit report. 

Fourthly, there is an account under the name of XXXX XXXX with account number XXXX. Similar to the XXXX and XXXX accounts XXXX I find the name and number of this account questionable. Therefore, I request that you either clarify this information or delete this account from my credit report. 

Lastly, there is an account under the name of XXXX with account number XXXX. As with the other accounts, I find the name and number of this account questionable. Therefore, I request that you either clarify this information or delete this account from my credit report immediately. 

I request that you investigate these accounts and take the necessary actions to correct any inaccuracies in my credit report. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Michael G. Niles (MS)

AROUND XXXX MTHS AGO, A MEDICAL COLLECTION POPPED UP ON MY XXXX & XXXX CREDIT REPORT FROM EXECUTIVE FINANCIAL CO FOR {$10000.00} FOR XXXX XXXX XXXX XXXX. ITS FROM A HOSPITAL IN XXXX, SC. I NEVER LIVED IN OR AROUND XXXX SC. MY BROTHER HAS LIVED THERE OR AROUND THERE AND I BELIEVE HE USED MY NAME THERE...