davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

The company is Equifax. I found out about the problem on XX/XX/2019 when sitting in the office of Credit Union ( CU ) CampusUSA in XXXX, FL trying to open an account. The CU was not able to pull a report on me, stating Equifax had nothing on me. I called Equifax and at 3 different times I was told they could not pull my account up and try later. I finally got a person who told me, that if I believed that I had a credit history, I needed to dispute that because they show I don't. I explained XXXX  and XXXX  had reports - 37 pages long. Equifax has had reports on me, as I pull my free report every year. Equifax had me fax and US mail a dispute with my Drivers License and Social Security card and note of my dispute. I did this on XX/XX/2019. I called Equifax today and they could not find my file. With all the info I gave they told me that my middle name had become my last name. Equifax stated that I did not send legible documents ( they were professionally copied at XXXX XXXX and were legible ). Equifax told me a creditor had made my middle name my last name and I would have to send another dispute for my name correction and legible documents. Equifax refused to tell me what creditor changed my name and refused to contact that creditor. Equifax would not tell me what company had changed my name. Equifax told me that a Social Security card and Drivers license with the correct name was not enough.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I requested on XX/XX/2024 from Equifax, Full Disclosure 15 USC 1681g ( a ) ( 1 ) and stated that I didn't want another copy of credit report. As of date I am still waiting for the requested information.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and UndeXXXX 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-04-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (AZ)

Hello, We previously had a credit card with XXXX XXXX in my wife 's name, 'XXXX '.  We had some difficulty and fell behind, then the account went to collections. We received a letter in XX/XX/XXXX from Radius Global Solutions LLC offering a settlement on behalf of XXXX XXXXXXXX for account ending in XXXX ( Ref # XXXX ). The original amount of debt is {$1900.00}, but they were offering a settlement in the amount of {$990.00} in 12 monthly payments of {$82.00}. We started making payments in XX/XX/XXXX. Since then we have made three payments and the fourth is currently in the mail. The letter stated at the end of this process they were going to provide a letter stating our debt has been resolved. We have not received any other communication from either Radius Global Solutions or XXXX XXXX since we started making payments. 

On XX/XX/XXXX we received a summons from XXXX XXXXXXXX XXXX XXXX. on behalf of XXXX XXXX ( XXXX # XXXX ). The Summons and Complaint is seeking the full {$1900.00} minus {$82.00}. Now we are confused. We have been making payments and the checks have been getting cashed or cleared for three months. The fourth payment is in the mail. Suddenly, we receive this summons. There is definitely something deceptive or unfair about this process, either from Radius Global Solutions LLC or XXXX XXXX. 

XXXX we tried to call XXXX XXXX, but was routed to XXXXXXXX XXXX XXXX  XXXX, and spoke to a representative from XXXX XXXX XXXX, 'XXXX ' on XX/XX/XXXX around XXXX for File number XXXX ( XXXX XXXX ) . We explained our situation and he said he could not provide any legal advice. We let 'XXXX ' know we would like to submit a complaint about this process and the treatment we are receiving. We also asked if maybe a complaint to the Consumer Financial Protection Bureau may be warranted as well, but 'XXXX ' could not give us any guidance on that. He said he would route our complaint to XXXX XXXX right away and he would get back to us on Monday, XX/XX/XXXX. He did not call so I tried to contact his office, but was placed on hold and then to a voicemail. I left a message and then went to the CFPB site to file this complaint. 

As a follow up to this, we are submitting our letter as well as a screen capture of the checks in the amount of {$82.00} being cleared by our bank. 

Ideally, we would like this summons and complaint to be cleared, and we would like to continue on the agreement and terms we are currently executing or the debt to be cleared by XXXX XXXX. Thank you.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

Equifax, XXXX XXXX, XXXX credit reports. Are wrong. Address and accounts I never opened. I know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX   XXXX amount of XXXX. Joint account with a person I dont know never lived in Florida till XX/XX/2017!! 2 accounts from the same company first fraud account XXXX XXXX XXXX amount of XXXX. 2nd fraud account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud fake!! Not mine!!
Consumer complaint received 2023-05-03
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The PORTFOLIO must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below is the account that need to be removed : XXXX XXXX XXXX
Consumer complaint received 2023-05-03
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. (TX)

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TXXXXX XX/XX/XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX Balance : {$80.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$80.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-06-18
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. (UT)

XXXX XXXX # XXXX is reporting a charge off on an account that was included in my Chapter XXXX Bankruptcy Docket # XXXX. This account should not be in my credit report as it was included under my bankruptcy. I would like this to be removed as it violates the Fair Credit Reporting act.
Consumer complaint received 2018-06-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

BANK OF AMERICA XXXX I WAS CONTACTED BY PHONE FROM BANK OF AMERICA ON XXXX A RECORDED MESSAGE WAS LEFT ON MY PHONE SAYING TO CONTACT THEM ABOUT A IMPORTANT SERVICING MATTER THEY HAVE AND THE OPPORTUNITIES THAT THEY HAVE AVAILABLE TO ME. 


ON XXXX I filed a consumer complaint with CFPB CONTINUES TO CONTACT ME BY PHONE AFTER I ASKED THEM TO SEIZE FROM CALLING MY PHONE. 

HERE IS MY DOCUMENTS SUPPORTING MY COMPLAINT BELOW
Consumer complaint received 2022-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX, and I am writing on behalf of myself to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-06-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX ; XXXX and Transunion are reporting incorrectly a late payment in XX/XX/2018 on the XXXX XXXX account number XXXX. ( Please see page 2 from the credit report attached. ) This account was closed in XX/XX/2018 and reports a {$0.00} balance due. This incorrect coding and falsely reporting a late payment on this account is harming my credit score.  Please delete this item from my credit report and/or change the coding error.
Consumer complaint received 2019-06-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XXXX  ; Experian and XXXX  are reporting incorrectly a late payment in XXXX, 2018 on the XXXX XXXX account number XXXX. ( Please see page 2 from the credit report attached. ) This account was closed in XXXX, 2018 and reports a {$0.00} balance due. This incorrect coding and falsely reporting a late payment on this account is harming my credit score. Please delete this item from my credit report and/or change the coding error.
Consumer complaint received 2019-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (VA)

On XXXX XX/XX/2019, I received a letter from Capital Accounts  stating that I owed a debt of {$460.00} to their client, XXXX XXXX XXXX. On XXXX XX/XX/2019, I sent, via certified mail, a notice of dispute and requested that Capital Accounts provide 1. The full name and mailing address of the original creditor for this alleged debt ; 2. Proof of my agreement to pay the original debt ; 3. A copy of the final account statement issued by the original creditor ; 4. A breakdown of the total amount due, showing principal, interest and other charges ; and 5. For all other charges, the date and basis of each charge ; 6. Documentation showing that you are licensed to collect debts in Virginia. 

Furthermore, I stated that because I was disputing this debt they should not report it to the credit reporting agencies. Should they have previously reported it, prior to my letter dated XXXX XX/XX/2019, I requested that they notify the credit reporting agencies that the debt is being disputed and/or delete the trade line from my credit report. 

On XXXX XX/XX/2019, I received a second letter from Capital Accounts reasserting that I owed the debt of {$460.00} along with notice that Capital Accounts has reported this delinquent debt to the credit agencies. 

On XXXX XX/XX/2019, i sent, via certified mail, a second notice of dispute and requested that Capital Accounts provide the information that I requested in my first letter as I do not believe that I owe this debt and reminded them that as of the XXXX of XXXX, I have not received a response to my original letter in the timeline outlined in the Fair Debt Collection Practices Act Section 1692g.
Consumer complaint received 2019-06-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: A-1 Premium Acceptance, Inc. (TN)

I got a loan for XXXX last year I've been paying on this and i call to ask this company whats my pay off they told me that my loan goes up daily it wasn't a interest bearing loan how is this and their interest rate is 256 % this is predatory lending loan could someone help me get and understanding on how this work and how can they be allowed to get over on people
Consumer complaint received 2019-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

Midwest recovery Systems is claiming I owe XXXX XXXX XXXX {$580.00} and I live in XXXX XXXX. They said it would go away if I paid it in full and did not give me information about how I can dispute it they also said it was from XXXX which is over 7 years ago. This needs to be removed immediately as they placed this on my credit on XX/XX/XXXX and I have always had full-coverage insurance so there is no way I would have a medical debt such as this.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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. 

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 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 2020-09-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc (CA)

I have made numerous attempts to close my membership with XXXX XXXX. I sent a cancellation letter by certified mail on XX/XX/XXXX, I also included a letter from my doctors office explaining that I have health conditions that are high-risk for covid-19. I am unable to attend a gym. I did not receive a response from XXXX XXXX. 

On XX/XX/XXXX I personally went to XXXX XXXX and handed a copy of my contract, letter from my doctor directly to the owners of XXXX XXXX, which both stated, dont worry about this, well take care of it. You are now threatening me with collections. 
. 
According to XXXX XXXX 's agreement in section XXXX. It states, if, by reason of death or XXXX, you are unable to receive all of the services for which you contracted under this XXXX, you and your estate shall be relived from the obligation of making payment for services not taken prior to your death or onset of XXXX. If you prepaid any sum for services, so much of the sum as is allocable to services not taken prior to your death or XXXX shall be promptly refunded to you For the purposes of this provision XXXX means a condition which precludes you from physically using the facilities. Your XXXX must be confirmed in writing buy a physician and providing to XXXX. I have supplied XXXX XXXX with proper documentation from my Doctor that I am high-risk for Covid-19.  XXXX XXXX gym is not following CDC  guidelines and is unsafe. 

XXXX XXXX continued to charge me through the shutdown of gym facilities which was never authorized by me. I have attempted to cancel by phone, mail and in person. California law clearly addresses the elimination or reduction of services. Members have the right to cancel if, at any time during the term of the contract the health studio eliminates or substantially reduces the scope of the facilities ... that were described in the contract, in an advertisement relating to specific location or in a written offer, an available to consumer upon execution of the contact. The consumer may cancel the  contract and receive pro rata refund. ( Calif. Civil Code Section 1812.85 ( c ). )
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I have a charge on my statement from XXXX XXXX for {$12000.00} dated XX/XX/XXXX. this transaction is fraud and I reported this charge to chase as fraud by phone, and again by a letter. At first Chase gave me credit for this transaction in XX/XX/XXXX, but later Chase made me crazy, dragged the process and ultimately they closed the case and rebilled my account without merit.
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (MI)

I called my mortage lender to ask for assistance. The first time I called and asked could i have the payment changed to the end of the month i was told 'No '' and the lady began to tell me the reason they choose the XXXX of every month to the point she was talking to me like a child. I have lost some income and reached out to XXXX which advised me to call them and ask if they have any assistance options for me. I called and spoke to XXXX which handles my account when i asked for the retention department. XXXX went off and said they gave me assistance when they gave me the {$74000.00} loan and I had one late payment in XX/XX/XXXX. he then said you have lost of income, i said Yes SSI, he then said you did n't know it was going to end. I said it was income when I applied, so are you telling me you ca n't help me? he then transferred me to his manager XXXX he was then rude and went down the line saying when I made payments and XXXX told him why I was calling and I got my answer. My point is I love my home and all I asked was that they move the payments to the end of the month and was very disrespected and talked to like a DOG. I then hung up on XXXX. I will never in my LIfe do business with 21st Mortaga that will not allow individuals assistance when they are reaching out for help.
Consumer complaint received 2019-06-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

two days ago a significant, unknown negative item appeared on my credit report. Experian made no attempt to verify the debt. I filed a complaint and they've done nothing. I confirmed that the alleged debt - reported by XXXX XXXX - was purchased from XXXX XXXX XXXX and is allegedly from 2013 - well past the time I could do anything about it. I have no records and neither XXXX or XXXX can provide any. No effort has been made to collect this alleged debt until now.
Consumer complaint received 2019-06-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

After months of trying to rectify the problem with XXXX XXXX regarding an authorized charges and their egg Noreen my request and explanation of what was going on as a victim of identity theft. After submitting two separate FTC reports regarding the matter not only for the credit card itself but where the payment was coming from for that credit card I was told by XXXX XXXX that I could not dispute the charges even though I already had and they somehow went ignored but rather that the card was now closed and I am forced to pay whether they are an authorized or not. They did not care about the CFPB report from you guys or the FTC report when I called as recent as last evening.
Consumer complaint received 2019-06-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After months of trying to rectify the problem with XXXX XXXX regarding an authorized charges and their egg Noreen my request and explanation of what was going on as a victim of identity theft. After submitting two separate FTC reports regarding the matter not only for the credit card itself but where the payment was coming from for that credit card I was told by XXXX  XXXX that I could not dispute the charges even though I already had and they somehow went ignored but rather that the card was now closed and I am forced to pay whether they are an authorized or not. They did not care about the CFPB report from you guys or the FTC report when I called as recent as last evening.
Consumer complaint received 2019-06-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Hello To Whom It May Concern, I hope all is well. 

I am currently paying off my Navient student loan. I am having issues paying it off due to my other bills and responsibilities. They will not lower it or work with me. 

Please help!!!! 

Best, XXXX