davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/XXXX I called to enroll ( re-enroll ) with '' XXXX  XXXX '' protection for comenitybank/XXXX XXXX. I was told by them that i could not enroll in the protection plan and was not given a reason. they ( XXXX  XXXX  ) referred me back to comenity/XXXX to call them for enrollment. Comenity/XXXX  referred me to the website, which would not allow me to enroll either. then referred me back to XXXX   XXXX! This back and forth game ( at my expense ) went on for approximately 2.5 hrs on the phone, from XXXX XXXX. No one would assist me or give me a straight answer! Finally I got through to the customer care resolutions dept, a complaint was sent on my behalf to the escalation dept as well. I received a call on XX/XX/XXXX, from the resolution dept who apologized to me and told me that I would be able to enroll in the XXXX XXXX program. she gave me steps to go online and enroll. I tried and could not get through. I called again to assure, who would not assist me and gave me back to call comenity/samuels. and the nonsense '' ball bouncing '' started all over again! i told them to " stop '', that I've had enough and that I was going to file a complaint! I believe the reason that they are not permitting me to enroll is because I disenrolled in XX/XX/XXXX because I had no idea that they had enrolled me without my consent in the first place and did not understand what the program was about. Also, I am filing the complaint because they are negatively reporting me on my credit -XXXX XXXX showing " closed '' acct. ( involuntarily ) because the store closed. this is causing my credit score to drop by 15 %!
Consumer complaint received 2021-04-02
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: EQUIFAX, INC. (NY)

I have two accounts that are appearing on my credit report that are not mine I have been disputing this since XX/XX/2020 and I have not gotten anything back from the bureaus regarding this investigation. I have filed a FTC for this and mailed out multiple letters regarding this and I need it taken care of ASAP. 
Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Consumer complaint received 2019-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

On XX/XX/XXXX, my house was broken in and {$60000.00} face value of US Savings Bonds were stolen. I called XXXX XXXX Police and a crime report was written. I also reported to the Treasury Dept for the bonds being stolen. Treasury Dept directed me to submit some forms to verify identity, to identify the numbers of the bonds, and to convert the paper bonds into ibonds. OnXX/XX/XXXX, XXXX XXXX in XXXX Arizona opened bank accounts ( # # XXXX & XXXX ) for a person in the name XXXX XXXX XXXX by means of my social security number and California driver 's license number, and let this XXXX XXXX XXXX cash the stolen bonds for {$94000.00}. I do not understand why XXXX XXXX let this person redeem the stolen bonds even though the names on the bonds do not match this person 's name. 
On XX/XX/XXXX, I received a letter from Treasury Dept stating that I owed the US government {$120000.00}. I talked Treasury Dept over the phone and explained it. Treasury Dept did not try to find out the truth. Instead, Treasury Dept sent the debt to XXXX XXXX XXXX, aka ConServe. On XX/XX/XXXX, ConServe sent me a collection letter and asked me to pay {$120000.00}. I wrote to ConServe to dispute the collection and request a copy of Proof of Debt. ConServe confirmed receipt of my dispute and request over the phone. I have not heard from ConServe for more than half year since I disputed the collection, nor have I received a copy of Proof of Debt. ConServe can not practise business in such a bad manner!
Consumer complaint received 2022-11-05
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)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} ; XXXX SELF-REPORTED XXXX Balance : {$150.00} ; XXXX SELF-REPORTED XXXX Balance : {$10.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-05
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

i did busines with capital one not this third party debt collector this company can not show proper debt validation and by regulation of the fcra section 609 they have to provide original contracts which can not be provided by this third party company whom is trying to collect illegally
Consumer complaint received 2018-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (OH)

I used a credit repair agency take care of the only collection on my credit report. The bureaus Inc. could not verify the account belonged to me therefore it was removed from my credit report previously. XX/XX/2018 the collection company started reporting to my credit report once again, hindering my ability to proceed with a mortgage loan. If they were unable to verify the account belonged to me, I want to see the proof to verify the debt. I currently have an open credit card with XXXX XXXXXXXX ( the original creditor according to the bureaus inc ). I dont want to see my information verified for an account not verified belonging to me with information from my open credit card. I should be protected against the unlawfully verifying of a debt under the fair consumer reporting act.
Consumer complaint received 2023-04-08
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. (OH)

XXXX XXXX XX/XX/XXXX CREDIT XXXX BANK NA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SPEEDY CASH/CURO XX/XX/XXXX
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (SC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery is reporting a collections on my credit report. They purchased this debt from XXXX XXXX. 
We have disputed for years. They will not produce any receipts or proof, only a statement ( Last statement produced ). 
They took it to court, which resulted in a judgement and lien. 
It is illegal for Credit Bureaus to report judgements. 
As of XX/XX/2018, credit bureaus do not report judgements, which are civil. 

This is still on my credit reports and needs to be removed immediately. 
Also, Portfolio Recovery calls my place of business at least once a week and continues to send letters for collection. 

I can provide contact information for Portfolio Recovery if needed. 
I can also provide a copy of the judgement, showing proof it is now civil.
Consumer complaint received 2018-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MA)

I checked my credit report yesterday, l saw a collection on my report. Collector named National credit systems lnc. Its {$98.00} which l dont owe. I dont have any agreement with them. Its basically fraudulent activity.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

On XX/XX/2019 my credit card company sent me an email saying that new credit cards were mailed per my request. I called them and said that I never ordered new cards. They cancelled the credit card number and no fraudulent charges were made. They issued a new card to me and instructed me to file a police report. The police department instructed me to file a fraud alert. Unbeknownst to me this fraud alert would prevent me from getting a mortgage that I had applied for. I called all 3 credit bureaus to remove the credit freezes on my accounts and remove the fraud alert. This required hours upon hours on the phone and faxing confidential information trying to resolve the issue. I had to continue to work with only one mortgage company and was not able to shop for a better interest rate. They were finally able to get two credit scores and the mortgage went through, albeit at almost .50 % higher than prevailing interest rates. On XX/XX/2019 I received a letter from XXXX. I am a college educated professional with XXXX years in the XXXX XXXX industry but I am not able to discern what the letter is telling me. There is no phone number on the letter so there is no way to call them to ask questions. I tried their website for help and had no luck. I tried various toll free numbers from the internet. None of them were helpful and it was impossible to reach a live representative. I can't even mail something to them because I don't know what they their letter means so I don't know what to mail them. A couple of weeks ago I had a similar experience with Equifax. Although I was able to speak to a representative they said they could only remove the fraud alert if I mailed in a letter, because I don't have access to a fax machine, with a copy of my social security card and driver 's licence. I am reluctant to do that because it is possible that this information can get lost or stolen. It is unconscionable that the credit bureaus are able to hold the public hostage in this manner. I am at my wits end.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

I am a victim of identity theft and fraud with inaccurate accounts appearing on my credit file. I have filed a FTC complaint and several CFPB complaint but bureaus are ignoring all of my complaints and keep asking for authorization saying I am a 3rd party source. I am not a third party I am filing this complaint for my self. I submitted my FTC letter and my ID. Can you please govern the bureaus as it state in the FCRA and make them respect my rights as a federally protected consumer and have them delete the fraudulent accounts from my credit file. The 3 bureaus are in a direct violation of 15 U.S. Code 1681c2 - Block of information resulting from identity theft. These items still appear on my bureau and must be removed immediately 1. Violation of FCRA XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 2. Violation of FCRA XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 3. Violation of FCRA XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 4. Violation of FCRA XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 5. Violation of FCRA XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 6. Violation of FCRA XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once
Consumer complaint received 2019-05-10
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. (VA)

I recently went to a credit education class and one of things i was told was to monitor my credit report. I checked my credit report for the first time in a while and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. I've contacted FTC and my local police. I'm doing this myself. There are still items on my credit report that are not mine. XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2019-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (KS)

We have never been late on a mortgage payment. 

Our loan, # XXXX, is owned by XXXX XXXX and serviced by Round point Mortgage Servicing Corporation, XXXX XXXX XXXX, XXXX NC. The first week in XX/XX/XXXX, we contacted Round point to let them know we would be changing the insurance carrier on our house. We followed this up by calling again in the first week in XXXX and the middle of XXXX. Our policy was due to renew on XX/XX/2019. During the last call the customer service agent for Round point said they received the XXXX page from XXXX and all was good as they had not paid the old insurance carrier, XXXX. On XX/XX/XXXX we got an {$890.00} refund check from XXXX. We called XXXX and they had not been paid the {$890.00} owed them. That same day in the mail we received a letter from Round point dated XX/XX/XXXX threatening us if didn't get insurance. We then called them twice asking for a postage paid envelope to mail them the refund check, once speaking with a XXXX, and would they please pay the right insurance company. They have raised our mortgage by {$60.00} a month and have sent another threatening letter saying we owe they them {$1200.00} for the escrow account. Now the are saying they send us a postage paid envelope either. We still don't know if they paid XXXX. 

The math they are using doesn't add up right. Their mismanagement might mean we may not have insurance on our house. I am not paying the postage to mail them the refund and I don't trust them to put it in our account anyway. I have asked them for control of our own escrow account as we'd actually pay the bills correctly and they said no. How far can they go in threatening us?
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (MA)

I was diagnosed with XXXX XXXX XXXX and was notified that I would be undergoing XXXX. So I notified all my creditors of my situation and all creditors were ok with using my XXXX protection except for Synchrony and XXXX who refused to use my XXXX benefits that I was paying for on my cards in case I would be hospitalized and out of work which I was. Now they sold my accounts to a collection agency who is now attempting to take me to court in XXXX for debts that didnt have to incur or happen because I had insurance and took the right steps as a consumer.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (NJ)

1st mortage loan paid in full on XX/XX/2016, balance does show XXXX however payment status still shows as Late 120 days. XXXX balance obviously cant currently be late 120 days. Hudson City Savings Bank is the lender that appears on my credit report however they were bought along with the mortgage loan by M & T Bank. M & T Bank is the one that got paid when home sold. M & T for some reason refuses to update payment status to " Paid. ".
Consumer complaint received 2019-04-07
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. (FL)

after seeing my report on XXXX it showed that I had a missed payment 1 month ago their office is closed. However I call equifax to start a dispute I verified all my information and at first I were told I gave them the wrong social security number I hung up then called right back and they next rep told me I did give sufficient account  information. now I'm confused because last month I called and the same thing has happened I have been calling equifax every month since XX/XX/2018 I looked and seen alot of this were wrong on my report I called and everytime I'm told by the rep that they can't identify my account however I get asked over 10 - 15 questions about y account and can't get any thing resolved I'm always being told to fax in my request then my dispute will get process this is getting very tiring because my XXXX  friend called and only get asked 4 questions and get asked how can they help her i'm a XXXX XXXX and I have to be asked 15 different questions only to be told that I haven't given the right information this is very frustrating why is it other race don't have to go through the hassle as another race this is ludicrous. Now I have to wait until Monday before I can fax to get my credit report and to see which account is reporting delinquent then file an dispute.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE DELETE THE ADRESS XXXX XXXX XXXX XXXX TEXAS AND ANY OTHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS.
AND PLEASE DELETE ALL OLD NAME EXCEPT XXXX XXXX XXXX OR XXXX XXXX XXXX
THANK YOU...
Consumer complaint received 2018-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.