davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bronstein & Weiss Arbitration (TX)

The calls were from XXXX. The name I was given was XXXX XXXX. They were starting they working with the XXXX district attorneys office and have issued subpoenas and have warrants for my arrest for a unpaid debt for toll roads. I did get suckered into paying over {$400.00} dollars to XXXX that I will have to dispute with my bank. They were extremely aggressive and were pretending to be part of the XXXX Police department as well. I was finally able to get in touch with one of the XXXX detectives and he was able to run my background ( found nothing ) and then attempted to contact these scammers and they would not talk to him and started to hide and not answer their calls or mine. They did have a lot of information about me but they had all my old info from prior to my move.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX of 2022 I got a starter loan from XXXX  XXXX XXXX XXXX all payments were made on time they are currently inaccurately reporting lay payments to my credit report I need these to be disputed immediately
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I requested that a few accounts on my credit file be investigated starting XX/XX/XXXX. 
When there was no evidence that the investigation has been conducted, I sent XXXX follow up letters on XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status. Under the FCRA, the credit reporting agencies have 30 days to conduct their investigation after they receive the request. Since it is now going on 120 days, the resolution I see fit is for the accounts in question be deleted.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (IL)

XXXX XXXX XXXX Date opened : XX/XX/XXXX Date account charge-off : XX/XX/XXXX Amount : {$810.00} Midland Credit Management is the debt collector that sent me this report regarding this case. Someone is using my personal information using the last name from my last marriage 15 years ago. and i am not familiar and never live in the address stated in statement.
Consumer complaint received 2019-08-26
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. (TX)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ClearOne Advantage, LLC (MI)

I enrolled in a debit settlement program with Clear One Advantage / XXXX XXXX XXXX. When agreeing to the program, they could settle two accounts for me for a monthly payment of {$580.00}. That was it. They do all the work. Sounds good to me, so I proceeded. After several months of monthly withdraws from my bank account, Clear One Advantage contacts me and said they a settlement on one of my accounts. In order to get the settlement I need to pay an additional {$310.00} a month for two years growing my monthly payment to {$900.00}. Definitely not what I signed up for but they are sure good at talking you into it. I then received an email from a settlement agent. I expressed my concerns of the added monthly payment and she state you do not need to pay that added monthly amount. I reiterated 5 times via email and said if I have to pay that extra amount I don't agree. She said you are good, no added money needed. 20 days later she calls and said I made a mistake. You do need to make that extra monthly payment. I said I don't agree and am not paying it. XX/XX/XXXX, there was the extra {$310.00} pulled from my bank. I emailed my displeasure, and asked to withdraw from the program and multiple requests of a full refund. They respond with I am owed {$10.00}. I paid thousands.
Consumer complaint received 2021-06-25
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. (AZ)

XX/XX/XXXX I called a company name XXXX XXXX XXXX with an inquiry dated for XX/XX/XXXX. listed on my credit report to request a copy of the credit inquiry or credit account and full documentation bearing my signature allowing them to pull and place a credit inquiry on my XXXX and Equifax credit report. I spoke with XXXX in customer care, who was very rude by the way. She could not find an account nor a credit inquiry with my name or SSN as well. She connected me to someone else by the name of XXXX in customer service who didn't have a badge number as well, that there is no account nor a credit inquiry with my name and that is all the information they could give. They didn't care to hear my concern about the false credit inquiry, being reported and damaging my credit history.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Over the past three years there is a XXXX account that keeps popping up on our ( my spouse and mine ) credit report. After providing documentation it is removed to come back on in six to nine months. We are never alerted to the account getting ready to report, which per the FCRA we should receive a notice within five days of the account to be posted to our reports. Once this account is removed from one report, the status changes on the other bureaus ( changes from Joint to Individual or the last reported date changes but the account number stays the same ) and we have watched this happen not only on this account but on several of the others. This account has been sold three times to other " collection companies '' that are actually part of the same company and still reporting the same account - this is per the XXXX Legal Department who has helped me with this issue.

After consulting with the three Credit Bureaus ( over 15 calls placed to them over the last four days ) we were told the following : 1. We could resubmit the information ( this is after I faxed, emailed and regular mailed the information ) and the bureaus would get back with me.

2. Regardless of the laws passed in the FCRA, I am not able to submit to the three bureaus any account that I have that isn't being reported if that company is not a paid member of any of the bureaus - see the Town of XXXX, XXXX docs below 3. I may submit, in writing, a statement to be added to my report but it will be screened and up to the bureaus to add it to my report and will be removed after 30 days ( it will take approximately 90 days to approve it ).

4. If there is a disputed item, the company has 90 days to review the claim and XXXX will handle the claim, not the company.

5. If it is found that I am in the right, then the credit bureaus have 90 days to remove the account in question.

I have received screen shots, emails and documents from some of the companies that have requested that their accounts be removed or updated on our reports and the bureaus have not completed the requests, or the scores are not updated when the items are updated. Our scores fluctuate around 20 to 60 points per month because of all of this. Since the Credit Bureaus have control over everything dealing with our day to day life, dealing with these bureaus has become quite the experience. We have spoken to people from XXXX ( call centers ) to supposed supervisors to specialty departments with very little solution to our issues. Please help!
Consumer complaint received 2022-10-16
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: Experian Information Solutions 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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-04-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NV)

Capital One Auto on XX/XX/XXXX This is an auto loan debt that was not mine. Someone by the name of XXXX XXXX used my name as a co-signer for an auto loan that I have no recollection of until recently when I was trying to repair my credit. Look at the original loan paper as well as the DMV paperwork and it will show that my name was not on that title or on that police report when this car was in a wreck sometime in XXXX. I did my investigation and that's what I found out from the XXXX XXXX police station. This was not a case that they can assist me with in filing an actual police report. I tried numerous times to get this off my credit report from all 3 credit bureaus but it is still there and ruining my credit. If they can't provide me with my name and signature on that loan and car title then please remove it off my credit report.
Consumer complaint received 2024-03-04
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 instrucciones
Consumer complaint received 2021-06-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

My loan was modified years ago. Under pressure, I signed whatever they asked me to sign. I just realized the terms had the rate shoot up to 4 % and included a significant balloon payment. This was done when I experienced hardship years ago. The loan has changed hands since modifying but I want help examing the predatory lending terms on this modification. XXXX was the company that modifying, but Select Portfolio Servicing is over the loan now.
Consumer complaint received 2019-08-26
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2018-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Brock & Scott, PLLC (TN)

My home was was wrongfully foreclosed on XX/XX/XXXX by Brock and Scott, PLLC. I  requested proof of claim ( the Note and Deed of Trust of the foreclosing bank and the Arrearages ) for whom they were representing. They said they were foreclosing for Fannie Mae. I have been fighting for 5 years to pay this mortgage. I have filed Chapter XXXX Bankruptcy and the Trustee disallowed XXXX 's claim because they did not file the Proof of Claim. We paid {$30000.00} into the Bankruptcy fund toward the Mortgage and this money was dispersed to unsecured creditors. I have 2 lawsuits in Chancery Court. One was filed in XXXX, the Judge has not ruled in that case, and I filed a Pro Se Petition on XX/XX/XXXX. I have a court hearing on XX/XX/XXXX but I have to file a response by XX/XX/XXXX because the defendant who purchased the house filed a Motion to have my Lawsuit dismissed and he also filed a Detainer Warrant in General Sessions Court to get possession of the property. My son and I are still in the house. My husband left in XX/XX/XXXX because of the stress and anxiety. He is XXXX and suffers from a work related back injury and is in pain 24/7. We are trying not to be evicted from our home. We built this house in XXXX, paid {$20000.00} down, paid mortgage payments for 10 years ( {$200000.00} ) plus the {$30000.00} to the Chapter XXXX Bankruptcy and we still don't know who owns this Mortgage, only that 4 different companies ( 1. XXXX, 2. XXXX XXXX XXXX, 3. Priorty Trustee and 4. Brock and Scott ) none of which have produced the Note and the Deed have continuously tried to wrongfully take our home.
Consumer complaint received 2022-11-19
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (VA)

I had made a complaint on Target red card last month and you reached out to them for me them they finally answered me, they asked me to fill out a fraud questionaire and i did and all they did was stop the collection department from calling me, it is still showing as if i own the credit card on my report and that i failed to pay, i didn't take out this credit card and i asked them to remove this from my 3 credit reports and its been 30 days and nothing has been done, it's still showing on my credit reports that its been closed by target and past due and that I am delinquent on the account for over a year, this is ruining my credit score and this is not even my credit card. I did not take this card out. I gave them everything they needed in a 24 hour turn around I want this removed off my credit report immediately.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I have a Delta Airline American Express Card, I used the card last year and was charged {$95.00} Fee, I have not made any purchases since last year and made payments every month. I was charged {$95.00} fee again this month. I called they told me I will not get any millage credit, I cancelled my credit card and asked to get credit for {$95.00} fee, they said it will take 45 days to get credit. I am a senior citizen, I don't think I should pay over 21 % interest rate on membership fees. I will contact congresswomen XXXX XXXX if I don't get credited right away.
Consumer complaint received 2020-01-29
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: Flagstar Bank, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX - There is no late remarks but tagged as late. 
XXXX  - XXXX  XXXX XX/XX/2019 FLAGSTAR BK - There is no late remarks but tagged as late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

these types of loans are predetory i am in a repayment plan with them for my account # XXXX and even this payment plan is only payiny interest nothing going toward principaly. they still want 541 a month whihc was being paid consitent until ebenfts got cut since them i have had a death the the family and im willing to repay t but need to make pyaments once can fford not payments that are insterest only and are not getting me anywhere.
Consumer complaint received 2018-07-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

MY MORTGAGE KEEPS GIVING ME THE RUN AROUND ABOUT REMOVING MY ESCROW ACCOUNT. THEY KEEP LYING AND GIVING ME DIFFERENT REASONS. I HAVE SEND MULTIPLE LETTERS, CALLS AND I KEEP GETTING NO HONEST ANSWER. I HAVE ALSO CONNECTED WITH XXXX XXXX AND XXXX XXXX HAS SAID I DO QUALIFY TO GET MY ESCROW ACCOUNT REMOVED. I HAVE ATTACHED THE LAST LETTER I SENT THEM. I GREATLY APPRECIATE YOUR HELP.
Consumer complaint received 2018-10-08
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. (IL)

After disputing an extremely old out dated XXXX account that suddenly reappeared on my Equifax credit report, Equifax erroneously determined that the information was appropriate and verified that the information being reported was correct ( with, as stated by Equifax, " minor corrections '' ). This account was closed and discharged by XXXX close to a decade ago ( XX/XX/XXXX ) and has no business being reported on any of my credit reports. The payment information being reported by Equifax is an outrageous fabrication. Particularly, that I made monthly payments to this account from XX/XX/XXXX through XX/XX/XXXX and then there being reported that I stopped making payments starting in XXXX of XXXX through XXXX of XXXX. There has been absolutely no payment activity on this account during this period of time at all! Therefore, this is a blatant and flagrant violation of state and federal laws. To further prove their incompetent reporting, Equifax erroneously reports that the " Date of Last Payment '' was " XX/XX/XXXX '' and then also reports the " Date of 1st Delinquency '' as also being " XX/XX/XXXX ''. However, I have made no payments to this account for over a decade now and the account was closed XX/XX/XXXX.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are five accounts on my credit report that were deleted and recently re-added after being deemed in accurate and uncertain These accounts also were open without my acknowledgment and they made the FCRA requirements deleted by consumer Ive reached out to these credit bureaus XXXX  Trans Union and XXXX  and were unsuccessful Ive also sent a 609 dispute letter in detail and writing via certified mail XX/XX/2021 XXXX ( XXXX  XXXX XXXX XXXX XXXX {$1800.00} XXXX ( XXXX XXXX ) {$660.00} XXXX ( XXXX XXXX XXXX ) {$570.00} XXXX ( XXXX  XXXX ) {$600.00} ( XXXX XXXX XXXX XXXX {$740.00}
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation (SC)

A collections account from Receivables MGMT Corp # XXXX appeared on my credit report that I didn't recognize. After my research into this account, this account is not mine and is fraudulent in nature. I have never conducted business with this company or creditor. I have notified the credit bureaus and have sent in the id theft report backed by the FTC. This fraudulent adverse account is harming my credit files and I demand this account be removed immediately from my credit files by Receivables Mgmt Corp # XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.