davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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: FIRST HOME MORTGAGE CORPORATION (MD)

I was approved for a forbearance on my mortgage account for the months of XXXX, XXXX and XXXX of XXXX because I was suddenly medically retired, and my pension checks did not arrive for three months. I was told to call back in the third month to resolve the forbearance and decide how to move forward. I called back, and was told that I would be able to defer my payments to the end of my loan, and that I should start making payments again in XXXX, and I would receive something in the mail in the next few months. I started making monthly payments again in XXXX, but never received the mail. In XXXX, I observed that my credit score had dropped, and that the mortgage company was reporting every payment I was making to be three months late. I called back to inquire what was happening, and was told the original person I spoke to at the end of my forbearance never submitted the paperwork to end my forbearance and defer the three months of payments. I was told it would be submitted for the deferral and to their research department to fix the errors in my credit report. I did not receive another call, so in the beginning of XXXX, I called again to ask if they had resolved it, and was told that I could email their research team with the deferral approval letter, so they could fix my credit report. The letter states that my loan is brought current, and the previous late fees that were given in error would be removed. I then received an email reply that says since the company did not submit the paperwork correctly for end of the forbearance, my XXXX payment was applied to XXXX, my XXXX payment was applied to XXXX, and so on. This has led to almost a year of payments being reported as three months late. The fault lies with the mortgage company for not submitting the end of my forbearance correctly. Since I was not notified that something was wrong, now almost a year of payments are reported late on my credit report, and my once very good credit score, is very low. I have shown the credit companies this deferral letter, but they have not fixed it, and have told me that I need a statement from the mortgage company fixing the mistake they made. The mortgage company continues to say that they have reported this accurately, when they have not. I was approved for a three month forbearance and deferral, I never missed a payment, and I was never late on the payments that they told me to make, however they are reporting to the credit agencies that I was late on every payment since XX/XX/XXXX.
Consumer complaint received 2018-09-02
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)

On XX/XX/2018 someone tried to make an inquiry using my name and information. This was not authorized by me and was fraud. I had called the lender XXXX and the explain the situation they said there customer service team said they would kindly remove the hard inquiry since it was not authorized by me
Consumer complaint received 2022-03-11
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: EQUIFAX, INC. (CA)

I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX XXXX XXXX XXXX XXXX with the amount of {$7300.00} - XXXX XXXX  XXXX XXXX XXXX with the amount of {$3400.00} - XXXX XXXX # XXXX with the amount of {$2300.00} - XXXX Bank XXXX # XXXX I have also noticed these unknown addresses that appeared on my file : - XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX  XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX CA XXXX I have already reported the incidents to the credit bureaus ( Equifax, XXXX and XXXX ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.
Consumer complaint received 2018-09-02
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: EQUIFAX, INC. (FL)

Since XXXX of 2018, I have been attempting to get a copy of my credit report and file disputes. I have been able to send in letters for dispute and receive e-mails from Equifax that my disputes are available to review on line. 

However, I am never able to go online due to the system being down each and every time. 
I have made numerous calls to Equifax and always get the same response. The system is down for repairs and I always state the same thing how long will the system be down because I have been trying each week for months and now it has been 9 months. 
Equifax says keep trying. 
I am never able to view any results and I am always asked the same questions about my report. I don't know some of the answers because I am not able to view the report. 
It has affected employment due to an investigation into my Equifax reporting incorrect information. 
To date, I am still not able to view anything online and I paid for access to the reports thinking this would resolve the problem, which it hasn't.
Consumer complaint received 2018-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cadillac Accounts Receivable Management (MI)

I requested a collection account validation I sent a certified letter the Cadillac accounts receivable to validate the debt the debt was alleged on XX/XX/2014 the alleged amount was {$770.00} I have called them several times without any response all I've been is hung up on they will not validate this debt also it's in violation of the federal and state HIPAA privacy laws the Fair Credit Reporting Act the Fair Debt collection procedures Act and the definition of my character I would like to have you investigate this for me because I'm not getting anywhere with this company.
Consumer complaint received 2022-07-25
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be Block. Per FCRA segment 605 CREDIT BUREAUS are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider Credit Bureaus responsibilities. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$700.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Dater XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2018-09-02
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)

Here we go again with Equifax openly admitting to Placing fraud on my credit report. First of all my wallet had been stolen in my wallet was my social security card, drivers license and email addresses. Additionally my postal address had been forwarded and I have recently corrected these issues including getting my email addresses correct. EQUIFAX has already been notified and has received law enforcement documentation and FTC Identity Theft Affidavits for each account that has been mentioned and discussed as fraud. Equifax deleted these fraudulent accounts to comply with the FCRA laws since they have been notified of fraud. I then check my reports today and see EQUIFAX has placed one of the accounts that I never applied for and already marked as fraud BACK on my equifax report. Again these are FRAUDULENT. I am a victim of Identity theft, you have received documents from Law enforcement agencies. You have received FTC Affidavits explicitly explaining the crime and how i became a victim. By Placing fraudulent information on someones credit report and not advising the consumer you are placing this fraud knowing its fraud is against the law. 

You placed an account for XXXX XXXX which I never applied for back on my credit report. Again this account is fraudulent, This account was already deleted. You have the amounts incorrect, you have the account numbers incorrect XXXX has already been notified this was fraud. This was applied for with an address I have not ever lived at. They advised me the last payment made was from a " XXXX XXXX '' Which I have never been associated with. I want this account blocked from my file immediately. You can't place fraud back on someones credit reports especially when this account was already listed in my previous FTC Reports i have sent to your agency.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (UT)

I made a purchase on Chase credit card for {$16000.00} to XXXX. The total amount paid to XXXX was {$31000.00}. 0n XX/XX/XXXX for a service that was not rendered. I contacted XXXX about the problem on services not being met XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time I was just ignored about the problem of services not being met. They promised me certain outlined items they would do for me and a guarantee if I did certain outlined items they would stick with me until I made my money back. The company XXXX was finally shut down on XX/XX/XXXX by the Minesota FTC because the company was a scam. The government froze all their assets. 

I have sent paperwork, invoices, contract, guarantee and multiple items of paperwork to Chase credit card company. XXXX from the executive office said she would review the case and send me a letter explaining everything. I received no letter, but received a bill today XX/XX/XXXX saying the charge for {$16000.00} had been charged to my account. Why do I have to pay back money for services promised to me that were not met when I met all their conditions? I spoke and left messages with XXXX saying she would resolve it in a fair matter to me. XXXX amount credited to my account is not fair.
Consumer complaint received 2018-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I have had a Chase checking account for several years. I have my social security direct deposited into my checking account. Just over 2 months ago I learned my account was over {$2000.00} in the negative. I called social security to stop my check from being lost to Chase 's overdraft practices. I was unable to stop it in time and lost half of my limited income. I filed an investigation with the bank and some those funds were returned to me. I got a new debit card. I had my social security direct deposited again. Before I realized it the same thing happened again. I called and tried to have the account frozen. No one would help me. I received a letter from Chase saying I was right and the money they returned stood. But I still lost my s.s. check which sent me and my bill paying into a spiral into a deep hole. I had to leave my home and am now XXXX  and will probably lose my vehicle as well. As soon as my new card came in, new strange charges again appeared on my account. I called and complained. I was told to go to a branch for help. I did and was told that since I had already received help they were not going to help me again. I had again had my s.s. check direct deposited thinking everything was straight. Not only did I lose it but instead of just {$1000.00} in the negative I'm now {$2000.00} in the negative even after again losing my s.s. check again to the Chase bank. Over the past two weeks I've been dealing with storing my belongs, finding a place to stay temporarily. ( I live with my adult son who has been fighting his past and struggling to get a job so we r both XXXX ) and have not been able to physically go to a Chase location. I plan to on wednesday but from my last reception I don't expect much help. Of course on top of all the bogus charges are the bank overdraft charges. I have ordered the government direct deposit card and my next check will go there but that won't happen for another three weeks. In the meantime I can't pay any bills, I can't buy food, gas, etc. I have no money to pay to get into an apartment. 
My biggest question and complaint is why didn't Chase stop these charges before Chase allowed this situation to completely destroy my life. I don't know where to turn.
Consumer complaint received 2022-07-10
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

Original Creditor - XXXX XXXX  XXXX XXXX - National Credit Adjusters Account Opened - XX/XX/XXXX Balance - {$1800.00} I noticed that this account entered collections onto my credit report and sent them a validation letter requesting the following on XX/XX/XXXX. On XX/XX/XXXX, I submitted a request for validation of debt in Complaint ID XXXX. 

My request to validate the debt has not been responded to in full, as the following haven't been provided : - Provide evidence the Statute of Limitations has not expired on this account ; - Show me that your company is licensed to collect in my state ; and - Provide me with your license numbers and are a Registered Agent. As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports.
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capio Partners, LLC (MN)

I have been disputing XXXX XXXX Hospital charges for about 6 months. The account was closed many years ago because I was on Medicaid who covered the balance of my medical bills. Also, I moved away from the state of XXXX on XX/XX/2015 due to XXXX  XXXX. I have lived in XXXX since then and have never been back to XXXX to incur any debt. Each time I dispute this issue with a credit bureau, the debt is sold and my credit is ruined again. I have to constantly fill out these forms and research my credit. I have to Pay for monitoring of my credit from XXXX. I am being harrassed and it's too much. Please help me.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX XXXX, the following notification of reporting error on my credit report. 

" In reviewing the laws and also looking my consumer report, I am deeply disturbed and feel violated. 
According to the law ( 15 us code 1666b ), you have failed to maintain compliance by reporting a late payment on this account to the credit reporting agencies you do business with. Such failed compliance is a violation subject to a fine of {$1000.00} ( 15 us code 1692k ( a ) ( 2 ) ( a ) ). This violation has been reported since XX/XX/XXXX and continues to be reported. In accordance with the law ( 15 us code 1692k ( a ) ( 1 ) ), you are liable for actual damages sustained due to your failure to comply with the law. I was denied credit ( {$52000.00} ) because of this derogatory and defamatory reporting, ( see attached XXXX denial and later cosigned approval ). I had to get a co-signer to secure the loan that ultimately got approved. I expect a check for the incurred damages. 
I certify under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XX/XX/XXXX. '' No response has been received regarding the continued violation of the laws mentioned herein.
Consumer complaint received 2022-07-10
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. (MN)

XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXXXXXX XXXX, Please take another names of my report
Consumer complaint received 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Duvera Billing Services, LLC (TX)

I disputed the account and they wrote me back saying that they did they investingation and the information was correct and I sent back a form asking them to prove it and they never responded XX/XX/24 Duvera Billing Service
Consumer complaint received 2022-07-10
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. (SC)

In accordance with the Fair Credit Reporting Act the below accounts has violated my rights : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-09-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Radius Global Solutions LLC (SC)

This is another complaint regarding XXXX XXXX. I have sent many different complaints to get answer but at this time still have not received the information. I recieved one call from XXXX at XXXX XXXX & I have called her back numerous of time without receiving a call back, however she was able to sent in this letter. With this letter Ms. XXXX has attached other letters that were supposedly previously sent to me that I never received from other representative at XXXX XXXX, however the information reported in the letters are different. For starters the letter from XX/XX/XXXX states my account my charged off on XX/XX/XXXX however it is being reported to all three credit bureaus that my account was charged off XX/XX/XXXX. As we all know its against the law to report inaccurate information to the credit bureaus. 

The other difference between the two letters is Ms. XXXX reports in her letter that my account was placed with XXXX XXXX on XXXX XXXX. This can not be true because as I stated in my previous complaint that I made contact XXXX XXXX in XX/XX/XXXX which is two month prior to the date Ms XXXX is reporting they placed my account with this group. Also in the previous letter from XX/XX/XXXX it states my account was placed with this group on XX/XX/XXXX. Again, I am receiving different information from representatives from the same company. 

I have numerous of paperwork from each credit bureaus showing the different date of my account charge off compare to the date provided in the letter by XXXX so there is no need to attempt to update the dates at this time. 

I am included in this complaint all three credit bureaus, I will be filing with the XXXX, I will be sending this information as to the CEO to show the inaccuracies being present by his company which is against the FCRA. 

I expect a response within the next 15 days to included the account being deleted from all three credit bureaus due to the inaccurate information being reported. 

I no longer want Ms. XXXX on my account. 

I have many contact with Northland group now known as Radius Global Solution and they are no longer handling my account due to the inaccurate information that was provided to them by XXXX XXXX due to my charge off date and what is being reported to the credit bureaus. 

If I do not received the above communication and the deletion of this account from my credit report I will continue with legal action due to the violation of the FCRA
Consumer complaint received 2022-07-10
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. (GA)

In accordance with the Fair Credit act XXXX  Account : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-10
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. (GA)

In accordance with the Fair Credit act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX 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.