davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

After repeatedly receiving harassing phone calls from Agent Heard at XXXX XXXX XXXX XXXX, and reviewing my consumer report I became aware that an account with my personal information was placed in their office. ( Alleged Account # XXXX ) On XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX received a notarized Affidavit, Debt Disclosure Statement ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and a notarized Offer To Perform ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via USPS Certified Mail. ( See attached documents ) Per the XXXX, XXXX had 21 days to respond with a completed notarized XXXX XXXX XXXX. 

As of XX/XX/XXXX, approximately 29 days from delivery, I have not received a reply from XXXX. This was the remedy provided to XXXX and they have failed to perform. I will be sending out a Notice of Dishonour to XXXX executives within the next 48 hours. 

All XXXX Major Credit/Consumer reporting agencies were notified of the errors on my report however they too have failed to meet their obligation in providing a Method of Verification or removal of the account. ( See attached for Proof of Delivery w/Certified Mail # ) Experian- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX I am aware that as a consumer I am permitted to privacy and a fully complete and accurate consumer report. I am also aware of the monetary remedies available to me provided by the United States in the event a debt collector or credit or consumer reporting agency violates certain rights, laws, andor statues.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/year>, I sent a letter to Experian ATTN Supervisor Legal Department, XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX  requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has Experian ATTN Supervisor Legal Department, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( Enter Date Mailed ), along with an updated FTC identity theft report.
Consumer complaint received 2022-05-17
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 the following Accounts : has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments Current, was past due 90 days XXXX XXXX 4 late payments Current, was past due 120 days XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments XXXX XXXX XXXX XXXXXXXX 2 late payments XXXX XXXX XXXX XXXXXXXX 2 late payments XXXX XXXX  XXXX 1 late payment XXXX XXXX XXXXXXXX XXXX 4 late payments XXXX XXXXXXXX 1 late payment XXXX  XXXX 2 late payments XXXX5 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 Section 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-17
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: I.C. System, Inc. (AL)

I checked my credit report in XXXX preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed multiple complaints and Identity theft packets as directed by the police department to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Consumer complaint received 2022-05-17
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: Franklin Collection Service, Inc. (AL)

I checked my credit report in XXXX preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed multiple complaints and Identity theft packets as directed by the police department to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Consumer complaint received 2022-05-13
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. (PA)

My loans were reported on XX/XX/2022 as 90days late. My loans were on a {$0.00} repayment plan, and student loan payments are pauses until XXXX.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My loans were reported on XX/XX/2022 as 90days late. My loans were on a {$0.00} repayment plan, and student loan payments are pauses until XXXX.
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (NJ)

Equifax failed to maintain security of my sensitive information. They were hacked and the personal information was released. It took Equifax over a month to report the incident to the public. Meanwhile, their executives were selling their stock.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

creditor letters are attached for the removal of the delinquencies, i have already send the letter to the bureaus to have them removed but they are not cooperating please help me to remove these inaccuracies from my credit report. 
thank you
Consumer complaint received 2022-05-17
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. (NY)

Hi I am submitting this XXXX 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 XXXX 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 XXXX 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 year old daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX now.with no help.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My loans were reported on XX/XX/2022 as 90days late. My loans were on a {$0.00} repayment plan, and student loan payments are pauses until XXXX.
Consumer complaint received 2017-06-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IN)

On  XX/XX/XXXX ,  a letter of dispute was sent to Ocwen 's research department stating that loan payments on the loan had been {$480.00} instead of {$450.00} as per the original loan agreement. This was an overcharge of {$27.00} each month for 135 months amounting to {$3600.00} as of that date. Another letter of dispute  dated  XX/XX/XXXX   was sent to  Ocwen  stating that no payment was due on  XX/XX/XXXX ,  since the amount they said was due, {$600.00}, and the overcharges were considerably more than that amount. Because Ocwen did not furnish any explanation for this discrepancy, no more payments were made on the account.  <P/> As of   XX/XX/XXXX ,  the overcharges and interest on the overcharges amounted to {$6400.00}. At that time,  Ocwen  turned the account over to their attorneys for foreclosure proceedings, even though the missed payments amounted to less than the overcharges and interest on the overcharges.  Ocwen  was notified by certified mail of this fact, but  Ocwen  ignored that letter, and proceeded with the foreclosure.  <P/> When Ocwen initiated the foreclosure proceedings, and proceeded to foreclose on the loan, an attorney was retained by us, and we were advised that fighting the foreclosure would be expensive, and we were advised us to file bankruptcy, which we did.  Ocwen  foreclosed and the property was finally sold at a sheriff 's sale  on  XX/XX/XXXX  We  do not believe this is fair, legal, or acceptable by us. We lost our home, and certainly do not agree that  Ocwen  's action was justified and is certainly not acceptable to us.
Consumer complaint received 2022-05-17
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (NY)

I went to XXXX XXXX to to clean my vehicle ( rental ). At some point I left my phone at the store.. due to the detailing it takes me a few hours to clean the car.. during this time I used my debit card to purchase gas still not noticing my ohone was gone. when I finally realized my phone was gone I went back in the store at which time a lady stated that someone just brought it up. I got my phone and went about my day.. a short time later I noticed a charge on my account paid out to a random email of {$200.00} and then a second showed up moments later while I was in my app of {$20.00}. I have disputed these charges as I am unaware of the charges or email associated. I have had this account for a few years and nothing like this has ever happened. I submitted a dispute for the charges and have received an email stating there was no error that occured.. yet my money is gone!
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Credit Card is Refusing to increase my credit limit they continue to issue denial letters over and over stating that I have too many Inquiries or that the payments are not enough which is a lie. If you view below I have made this year XXXX in payments which averages out to XXXX per month.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CT)

I complained to Equifax that they were reporting that I closed an account with XXXX. I sent them written proof that XXXX closed the account, not me and asked them to delete the account because of the error. They responded that they had verified that the account belongs to me. This is obviously an improper response indicating that they did not really read my dispute or are just trying to skirt the real issue. Since they did not respond to my actual dispute within 30 days the account should be deleted. It 's like I disputed something about apples and they replied about bananas. Equifax does take consumer disputes seriously. They should be forced to comply with the law.
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kohn Law Firm S.C. (IL)

Kohn Law Firm has been contacting myself and my employer attempting to collect a debt for XXXX XXXX. When the HR department reached out to me to tell me these people were calling and trying to get information about me, I told them I do not know who it is. I dont have any judgments against me and I havent been served, so I looked them up online and called back in XXXX I believe and I asked who they were and why they were calling my job, the lady started yelling at me when I refused to give her my personal information until I knew who they were. She screamed at me saying you dont have to give me anything, your job already did!. This was a lie and my job confirmed. 

I have been working with a credit repair company trying to get my original debt with XXXX XXXXXXXX settled, as it was created due to me being stuck in XXXX almost the entire XXXX because of covid related border closures/no fly restrictions ( I left the US XX/XX/XXXX and returned XX/XX/XXXX ). I have been attempting to settle this debt. I literally have only been working XXXX and trying to get back on track, which includes trying to take care of XXXX XXXX. 

I called Kohn again trying to settle and the representative I spoke with said they would need me to complete a financial statement, which I said I am not comfortable with because I dont know who they are even truly representing. He claimed they served me and gave me some weird name of the person they gave the summons to. I have NEVER been served by Kohn Law firm. The guy began talking over me and would not work with me on a settlement until I gave them my financial statement. I disconnected the call. 

I received a Wage Deduction notice this past week from Kohn Law, so I called them today to see if once again we can settle and I can get answers. A lady named XXXX told me because I didnt give them my financial statement the last time, its not in the best interest of their client to settle with me. 

I find their SCARE TACTICS to be extreme and they are extremely rude. Ive been yelled at and talked to like Im not trying to settle this matter by a law firm thats not even representing the company that I owe the original debt to {$3000.00}. I feel like this behavior is HARASSMENT and UNETHICAL. There is a better way to handle this and the yelling and rude behavior, all whilst requesting personal information, seems sketchy to me and I literally just want to settle with the company. I dont know what game this firm is playing, but I dont want them harassing me or my employer seeing as how they cant hold a civilized conversation with someone that is actually trying to resolve the debt. Unfortunately when calling XXXX XXXX, you get rerouted.
Consumer complaint received 2022-05-13
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. (FL)

IMPROPER USE OF CREDIT REPORT 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 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WA)

I have a mortgage account with US Bank with an attached escrow for property tax and insurance. 

I have fully paid the property tax for 2022 which means there is no liability for tax this year. Despite that US Bank is continuing to collect money in the garb of property tax and refuses to refund the excess escrow. 

I have talked to multiple US Bank agents, their escrow department and their tax department. All of them promise resolution but the level of incompetence in the escrow department is so high that they believe they can continue to collect money form me knowing there is no escrow payment due this year.
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (NV)

On XXXX XXXX, 2022, I wrote to the bureaus questing an investigation into items that I believed were INACCURATE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again for them and request that they reply within a reasonable amount of time, and they failed to do so.
Consumer complaint received 2023-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Credit Karma (IN)

So I accidentally created a fraudulent dispute on a purchase that I made with a company called XXXX XXXX XXXX, and it was strictly human mistake and error on my part, when I realized this I immediately contacted XXXX credit karma to cancel my dispute and they then took the XXXX XXXX I had paid XXXX XXXX XXXX months before I accidentally created this dispute for a license and account, out of my banking account and I have asked numerous and numerous probably over XXXX emails in the past XXXX weeks of where my money went to because I need back into the account I bought with XXXX XXXX XXXX and they have since blocked my account with them until it shows as chargeback resolved which credit karma told me in proof that no further action needed and The dispute WASNT denied, I specifically canceled it ON MY OWN, so therefore the money was supposed to go back to this merchant and chargeback closed and credit karma has told me they can not give me information of where my money is, and theres no phone representative that has a clue of what they are talking about and I have called a count of XXXX times and it just never seems to get resolved so if they can not do this and provide me DOCUMENTED PROOF that my XXXX XXXX  of my CANCELED dispute per my request was sent back to the merchant, I will be taking this credit karma team and bank to a summons to court.
Consumer complaint received 2022-05-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Applied Data Finance, LLC (FL)

XX/XX/XXXX Personify debt collectors called husband and shared information. He was never on the loan taken out, so this is a violation. XX/XX/XXXX they called me today and the man was harassing me asking me to open my email so he could trace my XXXX address. 

He called from XXXX asking for a return call to XXXX
Consumer complaint received 2022-05-17
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)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX I XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, US DEPT OF EDUCATION/XXXX XXXXXXXX XXXX US DEPT. OF EDUCATION/XXXX XXXX, has violated my rights. 

XXXX5 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