davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I am attempting to obtain a loan and have it pre-approved with a minimum score needed of XXXX from Experian. My credit score previously was at XXXX. Suddenly, my score dropped 9 points to XXXX, leaving me a much lower margin of error and jeopardizing the pre-approval for my loan. When attempting to contact Experian about why the score dropped by 9 points, even though my percent of credit usage stayed the same and a credit card limit was increased dramatically, they were unable to explain why the score dropped. Further calls to their dispute line have resulted in hangups on their end as soon as I mention my name. If these companies like Experian, XXXX, and XXXX are going to have such a dramatic impact on whether someone is able to obtain a loan, they need to be held responsible for explaining EXACTLY why their reports and scores show changes, so that consumers can address the issues involved. 

Right now, these companies are just shills for the credit card industry, and hold themselves up as arbiters of credit worthiness, but can not explain, or refuse to explain, how their products work. They need to do so so that consumers can act accordingly to maintain or increase their scores, otherwise, their services are useless and arbitrary.
Consumer complaint received 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have been sending extra principal only payments to the mortgage company without issues. NewRez assumed the loan from the previous servicer. I continued making my weekly extra principal only payments, but they are not being applied to the loan. I have asked for a reason via e-mail about the " Partial Payment Unapplied '' comment on my statement, but have received no answer. Trying to call the customer service line results in the phone ringing for 15 minutes during the time stated that service is available, then being disconnected.
Consumer complaint received 2019-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX an unknown person made unauthorized transactions from my checking account totaling $ XXXX.I notified Chase Bank which is the financial institution that I bank with and they stared a fraud investigation. Upon their investigation they claim that they could not find any evidence that any fraud took place and insinuated that I gave the unknown person my PIN number.My money was not refunded.I filed a police report however the investigation is still pending.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-06-19
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. (MO)

XXXX is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the USC 1692 & 1692P FDCPA as well as a certified copy of my UCC-11 filing with the Secretary of State. Ive attached a copy for your records.
Consumer complaint received 2019-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I sent continuous letters to Equifax, asking for proof on 6 accounts that they reporting on my credit report. They just answer that the account are been verified, I asked how they verify this accounts and never answer my petition. I don't remember having any business with companies. That's why I'm soliciting them for proof of valid information to keep this accounts on my credit report.
Consumer complaint received 2018-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Common Wealth Financial on XX/XX/18. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to  protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

Equifax NEVER allows me to access my request of my credit report. The other two companies allow it but they do not. This has happened for years. 

Why can not I not get my credit report either through their site or XXXX? They make it needlessly difficult and do not care to assist. 

In another case, after trying to unfreeze my credit, they would not assist me over the telephone in unfreezing it. They REFUSED to help me and said it would have to be done by mail. Even when I did everything they asked my mail, they would not unfreeze my credit. 

They do not deserve to be in business as they do not serve the American public ; rather, they wish to be served.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX Monday, XX/XX/2023 TransUnion XXXX Subject : Dispute of Inaccurate Consumer Report Information Dear Sir/Madam, I am writing TransUnion and XXXX to bring to your attention a matter of utmost importance. There are inquiries listed in my consumer report that do not pertain to any transactions initiated by me, as stipulated under 15 U.S. Code 1681c2. 
Upon a careful review of my consumer report, I have identified the following inquiries that I believe to be inaccurately associated with my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 TRANSUNION - XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 These inquiries have raised concerns regarding the accuracy and integrity of my consumer report. As per the provisions of 15 U.S. Code 1681c2, it is imperative that the information contained within my consumer report accurately reflects my credit history and transactions. The presence of inquiries unrelated to my activities compromises the reliability and fairness of the report, potentially affecting my creditworthiness and future opportunities. 
In light of these discrepancies, I demand that you remove them from my consumer report immediately, as they are not indicative of any transactions initiated by me. I further request that you provide me with a revised copy of my consumer report once the necessary rectifications have been made. 
I trust that you will treat this matter with the utmost urgency and undertake a comprehensive review of my consumer report to rectify the inaccuracies in a timely manner. Failure to address this matter appropriately may result in the escalation of my concerns to the appropriate regulatory authorities.

As 15 U.S. Code 1681c2 states once you receive this information, which will be immediately as I will be submitting through the CFPB, you must block this information not later than 4 business days after the date of receipt of : ( 1 ) appropriate proof of the identity of theconsumer ; ( 2 ) a copy of anidentity theft report ; ( 3 ) the identification of such information by theconsumer ; and ( 4 ) a statement by theconsumerthat the information is not information relating to any transaction by theconsumer.

Which all are in this document. 

This document is drafted by me, XXXX XXXX. It is not made in error nor a misrepresentation of fact. 

Additionally, as mandated by the Fair Credit Reporting Act ( FCRA ), I request that you furnish me with written notification of the actions taken within 30 days from the receipt of this letter. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-01-11
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. (WA)

On the date of XXXXX-2018, I had checked my credit information on the website XXXX XXXX XXXX And I have found some incorrect information regarding my name and my information used. The name that was used its spelled XXXX XXXX along with the address XXXX XXXX XXXX XXXX XXXX, XXXX SC. That is not I so I feel as if somebody is using my information under that name for identity theft.
Consumer complaint received 2023-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SC)

Today, XX/XX/2023, I received an alert from XXXX that my XXXX XXXX had changed. After receiving this report, I investigated this matter further and found that my XXXX XXXX had dropped XXXX points. In addition, I found on my credit report that LVNV FUNDING LLC had flagged an account for Collections on XX/XX/2023. I was totally unaware of who this company was, as I have not received ANY communication from LVNV Funding, XXXX whatsoever, prior to today. The account name XXXX provided upon their website when I considered filing a dispute was " RESURGENT/LVNV FUNDING ''. From my research, LNVN is owned by XXXX XXXX XXXX, XXXX. 

Upon researching the Consumer Financial Protection Bureau ( CFPB ) web site, it came to my attention that before a debt collection agency can report to a credit bureau, the company must, and I quote from your web site " The XXXX debt collection rule requires debt XXXX to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting. '' I have NOT received any validation notice from LVNV Funding, XXXX or XXXX XXXX XXXX, XXXX prior to them reporting it to XXXX, and possibly other credit bureaus.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Experian Information Solutions Inc. (CA)

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX XXXX  ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 

This includes ; XXXX XXXX XXXX XXXX Credit Card : {$4500.00}. 
XXXX XXXX XXXX XXXX : Checking/Savings/Lineofcredit. 
XXXX XXXX XXXX  Credit Card {$27000.00}.
Consumer complaint received 2019-06-19
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. (PA)

It became impossible to get help from fraud. I am XXXX years old, not fluent in English and bad businesses take an advantage of me all the time. Now Experian began to help bad credit card businesses to retaliate me for my requests for investigation and helping them to continue to XXXX my life and steal from me and helping yourself to become a bad business too. Experian is sitting on my back and constantly asking to get paid services from them and I did not chose their paid services that they constantly email me, bossier me and trying to keep me under pressure. Experian began falsely extend accounts that they refused to investigate appropriately for unauthorized charges and pure fraud and theft by XXXX XXXX in the past and keep extending those false debts year after year by refreshing them that it will have no end and will keep my credit history below fair score. The outrageous power abuse was forced by credit cards and expanded by Experian violent power abuse.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I recently sent multiple dispute letters to the consumer reporting agencies to investigate and they are not processing my disputes. They keep sending me auto generated response saying that they will not process my disputes because they believe it is someone other than me sending out letters on my behalf.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EdFinancial Services (NC)

The school cited multiple reasons for closing, includingincluding declining numbers of cosmetology students nationwide and a growing negative characterization of for-profit education. 
received notification on Wednesday evening, XX/XX/2016, that XXXX XXXX XXXX was permanently closing its doors at all XXXX campuses. 
XXXX loans were taken out from XXXX and they are now called EdFinacial Servicee and U.S. department of Education. 
Contacted all 3 services providers and department about the matter also contacted all 3 credit bureau 's and this matter.

Nothing has been resolved as far as to removing this account.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

I tried going online to Experian to get my free credit report. I sifted through the endless garbage trying to sell me everything to find the free credit report tab down at the bottom. I clicked the tab which took me to a member login page. I tried to set up a membership ( presumably to get my free report ). Experian website then said I already had a membership and if I was having trouble signing in then go back to the main page and click " sign in '' at the top and then click " need help signing in ''. There is no such tab and no help - just an endless loop of kicking me back to the sign in page. I know this is a tech thing but what the heck do I do???? They have no way to reach them. 

I then tried calling the customer service phone number they provided during their stated business hours. I called about a dozen times trying to get a human being on the line and the system absolutely would not allow me through to anyone, at any time, for any reason, no matter what button I hit. I tried for hours. 

So ... ..I went online and found a different customer service number for experian that said you could get a live person .... and no ... .it 's the same endless loop. 

All I want is my free credit report. They have made it IMPOSSIBLE FOR ME TO EXERCISE MY RIGHTS TO HAVE ACCESS TO MY CREDIT REPORT AS A CONSUMER. 

And I'm sure they are going to reply to my complaint with a customer service number that goes absolutely nowhere and/or a p.o. box I can mail a letter to and pretend that actually works. In the meantime I still can't get a credit report.
Consumer complaint received 2019-06-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MT)

Received a letter in the mail because our loan was sold for the 2nd time ( 3 mortgage lenders so far ) 13 days before payment is due. We are only into our 4th month of being homeowners. 

But I have yet to receive info on how to pay my mortgage payment via this nee company and I can not access my account threw them because it doesn't exist yet. 

Old mortgage lender was Rushmore new is XXXX. 

New lender starts XX/XX/2019, today is XX/XX/XXXX. 

Still no information on the lender or how to pay my bill.
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

XX/XX/XXXX/XX/XX/XXXX called XXXX to transfer internet connection to my new address. I had unlimited internet access and tv for XXXX a month. XXXX didnt have service in my new address and offered set up internet with one of their vendors but never said the fee was by the minute and not unlimited. It wasnt until it was turned on I received email stating the fee. Immediately tried calling to disconnect and was transferred many depts. no one could help. It took about 3 days on calls holding to have it disconnect. After hit me with this outrageous bill of hundreds dollars for an expensive service I never asked for.
Consumer complaint received 2019-06-19
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: CITIBANK, N.A. (NY)

On the XXXX of XX/XX/2019, I received an email stating that there were changes made to my credit score. Once I looked online I saw that my credit score had dropped upon investigating I saw that there was a hard inquiry name CBNA, I looked online to see what CBNA was and it said that it stands for Citi Bank Of North America. I have not applied for any credit cards so I don't understand why this happened.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

I had over draft protection plan on my business account. The over draft protection plan activated due to low funds in the business checking account. I notified the bank about the over draft protection amount totaling {$700.00} plus. I submitted a request to cancel the plan on the account. The bank informed me I had to pay off the entire amount first along with a signed letter from the bank requesting to cancel the over draft account. I paid the amount in it's entirety and signed the requested form to cancel the over draft protection with the bank manager.However, they never gave me a copy of the signed document.Therefore, I didn't request one thinking it would be documented on the account. I signed the letter in front of the manager believing all problems were resolved. My business account continued without the protection plan approximately four months.  After this time, I went into the branch to requested if there were anything pending on the account. They informed me there was a minimal amount pending from a vendor. I waited a month longer to assure there were no outstanding balances. At this time, there wasn't and I was allowed to withdraw the majority of my funds leaving about {$200.00} for any possible drafts. Next, I took my monies to find another banking institution. One month later the bank contacted me and stated I had another over draft balance after the signing of the document to close the over draft protection. Also, all previous balances were paid in full. Therefore, I went back into the branch to speak with the same manager. She then informs me that after 30 days the over draft protection would automatically reinstate. I inquire, how is that possible when you requested a signed document and balances paid in full? In addition, I never received any letter or call about the reinstatement policy. The manager implied since they put the monies into the account and I spent them. I owed them the  monies back.