davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C. (MO)

On XX/XX/XXXX, we went to court as the company who purchased my debt ( XXXX XXXX ) obtained legal respresentation ( Blitt & Gaines ). I, did not have an attorney representing me. The attorney for Blitt & Gaines had me sign the judgement form ( outside the courtroom in the hallway ) stating it was proof I showed up for court. I advised him that I did not want to and that I wanted to see if I could obtain an attorney ( as I was completely unfamiliar with the situation ), I also wanted to discuss my options with the judge. The Blitt & Gaines attorney stated the the debt was valid because I signed for the credit card. 

In XXXX, I made two written requests that included payments ( {$200.00} and {$20.00} ) via money order to them and requested they send me in detail a list of the alleged charges and fees. However, they failed to respond and provide anything I requested. 

In XX/XX/XXXX, my wages began to be garnished without me ever being formally served or notified. I have only attended one court hearing and were not notified of any other proceedings. 

My wage garnishment were 25 % for the total {$1900.00}. 

On XX/XX/XXXX, it was reported to be my final wage garnishment, however, when I called Blitt & Gaines they advised that it was not my final payment ( although the judgement stated so for the final amount paid ) and that it was still accumulating interest. I advised them that the order was already set and payment was sent for the balance. The advised that I still owed interest as it was accumulating although my wages were being garnished. I requested the debt collector information who hired them so that I may contact them directly and they stated they had no such information. When questioned how they could not have this information they were not able to formulate an answer. I then asked for the attorney who was handling my file and they reported there was no attorney handling my file. 

Furthermore, I was not informed of the garnishment until I received my paycheck in which the initial deduction was made.
Consumer complaint received 2019-06-11
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: JPMORGAN CHASE & CO. (MA)

There is this account on my XXXX  and XXXX  credit files that I do not recognize, the account is showing with a status charged off but the problem is that I never had an account with this company called JPMCB AUTO FINANCE, the account number that it is being reported is XXXX and there is no phone number being reported and it is also showing that the account was opened on XX/XX/2013. I have disputed this account with XXXX  and XXXX  and for some reason they tell me that the account was verified as accurate. XXXX  and XXXX  are reporting this account as charged off, I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want JPMCB AUTO FINANCE to provide me with the original contract that has my signature on it or for the account to be deleted from all of the credit bureaus.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX XXXX pulled my credit report without my consent on XX/XX/2019. I specifically told them to not do a hard pull on my credit when I applied because I was just trying to see how much I would qualify for based on my income and I knew I was about to apply for a new mortgage. I again reminded them via email to NOT do a hard pull, so 2 requests. These requests were ignored, and the loan officer never even mentioned that she had pulled my report. After waiting an extended amount of time, ( longer than it would take to even get a mortgage ), for any communications from this loan officer as to how much I would qualify for ( despite having sent 2 years taxes ), I emailed her and told her I was not interested in a loan from that company. 

While in the process of checking on my credit prior to applying for the mortgage I saw the credit pull from XXXX XXXX XXXX XXXX. I emailed them and requested redaction of this credit pull since it was done without my consent. I received no response. I emailed a second time to say I would report them to CFPB and again, no response. 

I am not a difficult person to deal with, and I myself am a Colorado licensed XXXX XXXX XXXX, so I know how this works. It baffles me that this bank was so hard to do business with on every level - unresponsive in both my attempt to get a car loan and disregard for my threat to report them. They don't seem to take any aspect of their business seriously.
Consumer complaint received 2020-09-16
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: Receivables Management Partners, LLC (IN)

I was XXXX and something got a XXXX  XXXX card in my name and the credit bureaus will not remove it I have proof that I was incarcerated before, during, and after the account was opened.
Consumer complaint received 2019-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (CA)

I am XXXX XXXX XXXX and am having a very difficult time with CMG Mortgage / XXXX. Since XX/XX/2019 I have been applying for a modification. I was never able to communicate to the same person which always caused confusion. CMG always seemed to lose my paperwork, which I constantly had to re-email the same documents. For the past 2 weeks I have been emailing the final documents needed for the loan modification review. I have used all the emails CMG has told me to send it to. Now that CMG has ALL the required documents they have turned around and told me it is too close to the sale date to review. Basically CMG has been lying to me the whole time and never wanted to review me for a modification. This is bank fraud.
Consumer complaint received 2023-08-21
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. (MD)

To whom this may concern, My name is XXXX XXXX and I'm the owner of a residential construction company named XXXX XXXX XXXX XXXX. I have been working on repairing my credit for two years now, but still unable to receive loans due to faulty reporting from Equifax, XXXX XXXX and XXXX. The agency are constantly reporting outdated information about my accounts and reacting to every negative change with large points deduction, but not the same for positive changes. Just last month my score dropped about 60 points because of my fault. I need to use my credit cards to keep my business going. By the end of the month I paid all of my bills down to about 10 % usage but because of that I was dropped again XXXX points from XXXX. My credit score last month was was at XXXX, but still unable to receive loans due to faulty reporting. As of today I have lost {$14000.00} in my business due to rental fees for a reliable vehicle. My previous truck transmission failed, so applied for a vehicle loan but my credit wasn't good enough. So I was forced to rent a XXXX from XXXX truck rental last XXXX at a rate of {$650.00} per week. As my credit score gone up I tried many different times to get a new or used vehicle to release me from the rental, because of old negative remarks on my credit and now new inquiries, I was unable to successfully secure a loan. This faulty reporting is causing me XXXX  of dollars that I need for my small business. It's not just stopping me from getting vehicle loans but also business loans because my business is XXXX years old so my credit used for the loan. 
Please let me know what I need to give you to prove my case, I have proof of everything. This is got ta stop and really exhausting and unfair treatment. I really feel like I'm being discriminate against because I talk to a lot of people about my situation and I have XXXX XXXX but still no change. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2023-08-21
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. (FL)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX and XXXX XXXX  XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates : XX/XX/year> and XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action!
Consumer complaint received 2023-05-08
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-21
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)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 

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 XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022.
Consumer complaint received 2019-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I received a collection notice from IC Systems from XXXX  XXXX. I had XXXX  XXXX in the past and canceled services with a XXXX  balance. I owe no monies to either of these companies.
Consumer complaint received 2019-04-13
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. (ID)

On XXXX XXXX, 2019, I asked my bank ( XXXX  XXXX  ) to obtain a credit report as part of an application for a mortgage loan. Three companies reported : Experian, XXXX, and XXXX. Both Experian and XXXX  referenced several Creditor accounts that were incorrect, that is, the Creditor information was not mine but actually belonged to another person. XXXX information was mostly correct. I contacted XXXX  to dispute the incorrect information. After two calls, a XXXX representative took my complaint and initiated the steps to remove the incorrect information. I was not successful in contacting Experian either by internet or phone call to rectify the report. I have three fundamental concerns : ( 1 ) how and why was incorrect information added to my identity, ( 2 ) why are credit-rating companies like Experian and XXXX   permitted access to my personal financial information and have such incompetence in ensuring that the information is correct, ( 3 ) why do financial institutions like XXXX XXXX rely on credit-rating reports when the reports may have inaccuracies? It seems that persons like me are the ones who have to rectify credit-rating problems created by the incompetence of companies like Experian and XXXX. My suspicion regarding concern ( 1 ) is that the credit-rating companies are not using a complete set of personal information when they obtain financial information : namely, complete 9-digit social security numbers, current addresses, and birth dates, all correlated to an account held by a person. The incompetence of companies like Experian and XXXX  places a terrible burden of proof on the financial status of US citizens. Why are such companies not appropriately regulated by the Federal Government?
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (SC)

I HAVE MADE SEVERAL ATTEMPTS WITH EQUIFAX TO REMOVE INQUIRIES THAT IS SHOWING ON MY CREDIT REPORT. THIS IS MESSING WITH MY XXXX XXXX AND HAVE ME STRESSED OUT UNTIL I HAVE TO TAKE MEDICATION DAILY. AND I AND TIRED OF CONSTANTLY CALLING EQUIFAX TO REMOVE THESE HARD INQUIRIES. I HAVE ALSO CALLED XXXX AND THESE SAME INQUIRIES HAS ALREADY BEEN REMOVED FROM MY CREDIT REPORT. PER 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

HARD INQUIRY-EQUIFAX MORTGAGE SER DATEXXXX THIS IS NOT MY INQUIRY NEEDS TO BE REMOVED HARD INQUIRY-XXXX XXXX DATE- XX/XX/2022 THIS IS NOT MY INQUIRY NEEDS TO BE REMOVED HARD INQUIRY-XXXX XXXX XXXX DATE-XXXXXXXX THIS IS NOT MY INQUIRY NEEDS TO BE REMOVED
Consumer complaint received 2023-03-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

I submitted a deposit into my XXXX  account in the amount of {$1900.00} to cover the cost of 1 ethereum. After hitting submit my account showed that I had {$1900.00} in my assets so that's when I went ahead and purchased the 1 ethereum. Once I purchased 1 ethereum my account went from {$1900.00} to over {$3700.00}. I freaked out and spent the next several hours with 2 different online chat agents asking why my account went from {$1900.00} to over {$3700.00}. Neither one could answer me. This whole scenario was on Saturday, XX/XX/XXXX. On Monday, XX/XX/XXXX my personal checking account had 2 transactions from XXXX. One in the amount of 1 ethereum and the other transaction for {$1900.00}. I didn't authorize this. I put a stop payment on the {$1900.00} because XXXX  already took out the money for 1 ethereum. That's when XXXX  put a hold on all my money until I paid another {$1900.00}. So I paid the {$1900.00}. 

Now as of XX/XX/XXXX, they still have all my funds on hold and refuse to give me an answer why or let me know when I'm able to access my funds. I don't deserve this.
Consumer complaint received 2020-12-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

XXXX, XXXX, and Equifax still hasn't responded to my disputes. It has been over 60 days. I am heavily stressed and I've had enough of the bureaus taking advantage of me. I've attached the 30 day demand to comply. These accounts has to be deleted immediately.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I discovered my equifax credit report was not frozen and hasn't been frozen for quite sometime. As a rep. from equifax informed me this evening once a freeze is place on any one of the 3 credit reporting bureaus and message is shared amongst the agencies and all 3 reports are or should be frozen. XXXX   report was frozen, XXXX report was frozen and as mentioned Equifax was not frozen and hasn't been frozen for more than a month and no reason was furnished by Equifax as to why the Equifax report was not frozen as it should've been. 
I believe this is misleading situation by Equifax whereby, I am under the impression my 3 credit reports are frozen when in fact one of them is not. 
I am in the process of correcting their oversight or lacking attention to detail and from my understanding they have informed me they have no way of knowing or investigating how this happened. 
I bring this to your attention because I find this unacceptable managing of important credit details.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NJ)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.