davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-30
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. (FL)

I have two inquiries on my Equifax credit report by the following companies ; 1.  XXXX XXXX XXXXXXXX. on XX/XX/2018 2. XXXX XXXX XXXX XXXX. on XX/XX/2018. 

I do not recognize any of this inquiries and I am therefore disputing them with Equifax and XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

The following credit card account from XXXX XXXX XXXX  currently listed and showing on my XXXX XXXX, Experian and XXXX credit report : XXXX is not my account. I never applied for the XXXX XXXX XXXX  credit card account. Its a fraudulent credit card account and I did not apply for the credit card account. The following hard inquiries currently listed and showing on my XXXX XXXX, Experian and XXXX credit report is fraudulent and unauthorized : 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 2018-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (MO)

I was never informed of this debt, nor do I have any knowledge of this account. This is reported on my credit to all 3 credit reporting agencies and is negatively affecting my credit. I was never sent anything in the mail, and when I disputed they still are fighting the validity of the debt however was never afforded the opportunity to challenge this account. 

I have contacted the company multiple times, and they do not give me any help, stating they sent something but it was not to a current address. This item should be removed off my credit report as I have no knowledge of this account and was not given the opportunity to dispute the account.
Consumer complaint received 2018-10-29
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. (GA)

The credit agencies is incorrectly reporting that XXXX/XXXX  was late in XXXX - XX/XX/XXXX ; XXXX and XX/XX/XXXX.This is inaccurate information reporting on my credit file.
Consumer complaint received 2018-10-30
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: Experian Information Solutions Inc. (AZ)

I have not been able to log in to the website to get information or cancel my membership. I have tried 6 different phone numbers for Experian but I get the exact same automated message without any option to speak to a representative. The time that I said I was having trouble logging in, they said they would send me a link to change my password but the link didnt work. When I tried, via the automated system, to cancel my account it said that I could cancel my free account but the account I wanted to cancel was not a free account. I sent Experian an email with the above complaints on XX/XX/XXXX and still have not received a response. I am trapped unless I can get a live person to help me. 
This is the worst customer service I have ever experienced. I hope that the Consumer Protection Bureau can help me get in touch with a live person that could resolve my issues. 
Thank you, XXXX XXXX
Consumer complaint received 2018-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

This letter is in response a letter dated XX/XX/2018 from Portfolio Recovery Associates, LLC claiming I owe them XXXX. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay Portfolio Recovery Associates, LLC this amount.
Consumer complaint received 2018-10-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/2018 I had a phone conversation with the supervisor at Wells Fargo Mediation by the name of XXXX XXXX I informed her during this phone conversation that I had contacted the county of XXXX where I live in Oregon ( aging and XXXX in XXXX office ) about deferring my taxes due to my age over XXXX XXXX. I informed her that they told me I could do this and she told me she had worked with the customer regarding this before. Now I am told today in an email from XXXX XXXX That they reimburse my taxes Which is not what I even asked. The county will differ them Im tired of explaining it over and over again. They just dont want to help they want my home instead. Manipulation cruel bureaucracy and continued discrimination because of my age and mental health XXXX. Im asking them not to pay the taxes so the county will step in and defer them for me. They are doing this in my opinion to take my home. I was told by a county representative at XXXX County Oregon aging and XXXX his name is XXXX that this can be done if Wells Fargo doesnt pay the payment. I have been asking now for almost 2 weeks. As of today the payment had not been made but it will be in a couple days now. 

This to me is unfair and this is just another way that they have manipulated me. I have worked on a spreadsheet now showing the payments and The escrow overage is in shortages where they have short paid and overpaid in error that they wont provide documentation. 

I am trying to send it to you as well but its difficult to explain Ive got the numbers worked out but I need someone to help me and I cant find anybody without spending {$400.00} an hour. If I could spend {$400.00} an hour I wouldnt be in the situation I am in. I need help they have broken the law they have committed fraud in my payments using my escrow account as a way to manipulate the system. 


Another complaint will follow soon but I want my taxes deferred Per my right of my age and the county of XXXX and Oregon State
Consumer complaint received 2019-06-05
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes, as of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail.  Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX/XXXX XXXX not mine XXXX/XXXX  XXXX not mine XXXX XXXX XXXX never late US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine INQUIRIES XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XX/XX/XXXX not mine
Consumer complaint received 2022-01-07
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)

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were late payments showing on my report and these report is misleading and suspicious and was never late. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2018-10-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (SC)

Commonwealth Finance is a scam. I have been fixing my credit for a year now. I got a XXXX XXXX card and just recently this year this random company hit my credit for an old medical bill from back in 2014. Nothing has ever been reported and I have never been notified of this debt. I was never notified that I had a debt. In fact the one time I went there I got my medical bills covered by a grant and by XXXX XXXX for using me to test trial a new medical gauze. Until now I had never heard of this debt. I disputed it and XXXX XXXX took it off. Then suddenly I get 2 accounts from the same company " Commonwealth Finance '' 3 times the original amount. I have read about this company and everyone is having similar issues. This company does fraudulent business.
Consumer complaint received 2018-10-30
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: AFNI INC. (TX)

This complaint is regarding AFNI , Inc. claims I have a charged off, closed account in the amount of {$2300.00} that was apparently opened XX/XX/2018. I am writing to advise you that AFNI, Inc. is in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. After researching AFNI, Inc. on the Texas Secretary of State debt collector website I have found that XXXX XXXX XXXX is not bonded in the state of Texas. I am requesting AFNI, Inc. immediately delete this entry with all credit reporting agencies they are reporting this entry to due to being in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. 
The TEXAS DEBT COLLECTION ACT ( TDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. TEX. FIN. CODE 392.001 ( 3 ). Furthermore, Sec. 392.301 ( a ) ( 4 ) of the TEX. FIN. CODE prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts.
Consumer complaint received 2018-10-29
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. (NC)

On XX/XX/2018, I XXXX XXXX filed a dispute with Equifax credit bureau ( # XXXX ). On XX/XX/2018 I called to check why I havent receive my results from the investigation. I spoke with XXXX from the special handling department where my file is being monitored because of identity theft. I stated to XXXX that I have not received my results and the 30 days had past. She said that the results were emailed to my email address, XXXX. I said to her thats not my email address and she replied, Im sorry for that. I will send it to your home address, I explained to her that the 30 days has past and according to the CFOB and FCRA that you had 39 days. I kindly asked her to remove the items because they fail to complete the investigation within the 30 days and notify me of the results and the fact you sent all of my personal information to an unknown email into the hands of strangers, she refuse to delete the items.
Consumer complaint received 2022-03-13
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. (VA)

On XXXX, I XXXX XXXX XXXX the consumer, notified XXXX, EQUIFAX, & XXXX ( The CRAs or Credit Reporting Agencies ) that Im a victim of identity theft. I have proof and evidence the CRAs received my communication. The CRAs are willfully reporting unvalidated unauthorized items on my consumer report. The person furnishing this misleading information has no permissible purpose to do so. The CRAs failed to block the information I filed with the FTC and sent me correspondence stating the information inside of my identity theft report has been investigated and proven to be accurate, verifiable and will continue to report as such. Pursuant to 15 USC 1681d ( b ) Im requesting the nature and scope of the investigation the CRAs used to verify this information. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) Im requesting a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information. This shall be provided to me by XXXX, EQUIFAX, & XXXX. Ive already contacted the furnishers of the fraudulent reporting. All furnishers have failed to provide the validation of the alleged debts being reported on my consumer report. The furnishers will face litigation for failing to delete the information Im clearly and conspicuously stating is fraud. Im NOT requesting the business name, address, telephone number of the furnishers because I already have that information. Im requesting the scope of investigation and the DESCRIPTION of the procedure used to verify this information. The CRAs know or should know that they cant use the information inside of I, the consumers file prior to the block request to verify information reported as identity theft. Pursuant to 15 USC 1681c-2 ( c ) ( 3 ) the presence of information in my file prior to the notice of identity theft is not evidence of verification.
Consumer complaint received 2018-10-29
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. (OH)

I have some addresses on my account that are not mine showing. I need my account updated to reflect my current correct and only address. My full name is XXXX XXXX XXXX please delete any other variation. 
I am XXXX XXXX XXXX of XXXX XXXX XXXX please delete any other variation. I need the following addresses deleted they are new mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (CO)

On XX/XX/2019 I noticed funds had transferred from my checking account to my savings account which caused my account to go into the negative. Once I noticed the transaction which caused my account to go into the negative, I immediately transferred money from my savings account to my checking account to bring it back positive. Everything was fine until the next day, I confirmed I was still charged an overdraft fee. When I attempted to resolve the issue w/ a customer service representative with the bank, I was treated in an unfair and deceptive manner. What should have been a 5 minute call turned into 30 minutes as the representative was trying to have me pay half of the fee even though I brought my account into the positive and kept placing me on unnecessary holds. He refused to put a supervisor on the phone multiple times and continued to try and lecture me on why BBVA banks billing/fee practice were better than other banks. In the end he refused to end the call and wanted confirmation that what he did was ok. I felt the need to present this complaint as I hope no one else has to deal with what I had to today.
Consumer complaint received 2018-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

My payment of {$190.00} was posted to my bank account XX/XX/2018 and sent to Navient. However, there is no record of my payment on my account. A Navient representative told me that I didnt pay in the month of XX/XX/2018, but that is a lie. My bank statement and bank representative confirms my payment. What a shame that Navient would steal my payment. A Navient representative told me that they cant help me. I have filed a complaint with my bank. Also, my new loan servicer informed me that Navient did NOT send them any payment for XXXX, although I made this payment to Navient. I had to pay my XXXX bill a second time!
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

I started to process of getting a mortgage for a new home and was pre-approved by AmeriSave Mortgage Corporation. I used this pre-approval to make an offer to purchase a band new home and then sold the home I was living in. AmeriSave Mortgage Corporation ensured me that everything was going smoothly and that they would have me approved well before my closing date. They ordered an appraisal of my new home that came back slightly higher then the selling price. About 3 days later I get an email from the loan processor XXXX XXXX stating that the underwriter had asked for a filed report and that came back with a lower number then asking price. According to the XXXX XXXX  Appraisal Guidelines there is no reason why this should have been done. At this point I need to scramble to find a new mortgage company who does follow the guidelines or have my family be homeless until I can resolve this issue. This company has cost me my due diligence money and wost yet possibly my families dream home.
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NY)

Was in hospital with a concussion and had someone try and pay this account. It is paid in full each month. PayPal and Synchrony Bank ( CREDITOR ) made it impossible to get a payment processed and then initiated " ROBOCALLS '' to my cell phone ( being forwarded to business associates ) that caused a great deal of embarrassment.

The only account I maintain is a PayPal XXXX XXXX and Creditor opened a second account, XXXX 1910 XXXX XXXX, without permission, that did not include the 2 % cashback value. 

The XXXX account does not reflect credits for returns of {$2800.00} and is attempting to collect interest and late fees as a result. 

The unauthorized " second account '' opening not only deprived us of the 2 % cash back but allowed Creditor to add another {$29.00} late fee and {$2.00} interest. Again, the Creditor made it impossible to make a payment on this account by my associate. 

The Creditor made it impossible to make payments as it required excessive security protocols.
Consumer complaint received 2018-10-29
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. (GA)

XXXX, has refused to do there job three times they have put false information on my credit report from a company called XXXX XXXX XXXX. I asked for the act to be verified through the court .And to show proof of validation of debt. I have proof of the actual ordered amount. XXXX never got proof they just closed case. the reason I know is because the amount is still wrong. this fraudulent first allowing of this credit company to add bogus information made the other two XXXX and transuion do the same put over 7 thousand worth of charges on my file. it took my score down. also the dispute was not done. I want this removed since it was not done in 30 days and it has been over 4 months.
Consumer complaint received 2022-07-11
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. (PA)

In accordance with the Fair Credit Reporting act 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