davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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. (MI)

In accordance with the fair credit reporting act XXXX  accounts have violated my rights. 

XXXX XXXX Account : XXXX Problem : Contacted company multiple times about late payment not being late. 
_____________________________________________________________________ State Of Michigan : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX / XXXX XXXX XXXX 15 U.S.C 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 an account without my written instructions.
Consumer complaint received 2021-11-22
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. (MI)

Report # XXXX : Called in XX/XX/2021, XX/XX/2021, to update address nothing changed but it has updated for these request. On inquiries my report states I have XXXX, XXXX  of the inquiries is for same day was suppose to be soft inquiries count as XXXX. I was told it only count as1 but listed as XXXX inquiries. Everytime my score is suppose to go up Experian add some derogatory information to my report. I disputed addresses that are incorrect on the report : same address listed XXXX times and XXXX of them wrong. Creditors listed under bankruptcy was suppose to be listed under bankruptcy still listed separately. Experian make credit score drop instead of helping. To force me to purchase their products.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (TX)

In XX/XX/XXXX/XX/XX/XXXX I was struggling to pay credit card bills, due to splitting with spouse ( few months earlier ), adjusting to paying all the bills by myself, Hurricane Harvey, dog dying and a few other bumps in the road. Talk to card company several times and explained the situation, was told if I just paid x amount buy a certain day then it would put me under a limit to where it wouldn't be reported to agency. So I did but they still reported it. I then made an agreement with a family to transfer debt from 3 of the cards to one of their cards. Two of the cards once paid off were canceled, one of the cards has been valid for 7 years with no late payments and paid off several time the other card never had a late payment ever. Because of this other cards even ones paid off for a year was canceled and others cards had credit limit drop every time I got balance down a little.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

On XX/XX/2022 I made a online purchase from a online website called XXXX. Fake counter fake jewelry advertised as 14kt Gold ring. I took rings to authenticate metal and was told by pawn broker and jewelry store items were fake. I reached out to XXXX about returning items to seller and was immediately blocked by seller ; XXXX the vendor closed my case indicating window for returns was 3 days, I had just received items 2 days prior so my window was not closed! I contacted Discover Credit to dispute this charge and was told they opened investigation but never contacted me ; upon several attempts on my behalf to submit correspondence from sellers I was then after the fact told by Discover I required to get a Certified Counter fake investigator to sign off or provide me a letter with [ his ] Certification Seal indicating items are fake. I asked where I can find this entity? I was told by Discover to hire a lawyer! To provide me more details!? I was confused this requirement seems unreasonable as Discover is supposed to protect me. I need a resolution
Consumer complaint received 2021-09-20
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: EQUIFAX, INC. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular items in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00}
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXXBalance Owed : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXXBalance Owed : {$340.00} XXXX XXXXBalance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX FL XXXX XXXXBalance Owed : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to place a security freeze on all my credit reports due to vast amount of identity theft and wifi spoofing. THis includes 25 phones that were port forwarded by criminal activity within XXXX XXXX XXXX, XXXX and XXXX. The WiFi spoofing started XX/XX/XXXX and data was stolen from my employer which then turned into a significant data breach. The credit agencies indicate that they have put a freeze on my report but when I check with them directly no freeze was initiated. I then reported to the FBI ( with 3 phone calls ) and at their local office they did not receive any such complaint. I am concerned my identity is being used in a malicious attack as at XXXX there was a purchase of the DNA sample and my prescription list provided to an unknown party. I would like the 3 credit agencies to place an immediate freeze on my account as my credit card accounts are being used activity and I have access to the cards. THe cards are being made.
Consumer complaint received 2021-01-23
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Maury Cobb, Attorney at Law, LLC (WA)

Ive contacted XXXX to confirm i have XXXX debts with them. They have also confirmed they do not use the attorneys office that is contacting me and that it is more than likely a scam.
Consumer complaint received 2019-03-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

I live in a condo. I have own this condo for at least 15 years. The condo was in my corporation 's name which is XXXX. XXXX XXXX. I refinanced 4 years ago but had to take the condo out of the corporation 's name and put in my name. At the time that I refinanced I was not aware nor did Ditech tell me that I had to have insurance to cover the inside of my condo. XX/XX/2017 the entire building caught a fire and the fire marshall made all 24 famlies move out. I wrote Ditech and sent all necessary information concerning the fire in order to get a delay of payments. They denied that request. Since the fire I have been paying my mortgage even though I am paying rent for another location. In XX/XX/XXXX Dtech wrote me and ask for proof of insurance. I told them that My Condo Association have insurance and have agreed to replace the building including the insides. Apparently that answer was not sufficient. I tried getting insurance for the inside of the condo but the insurance company told me that I would have to wait until the building is rebuilt. Meanwhile Ditech added inside insurance for my unit. My question to you is how can they add insurance to a burn down building and I am not allowed to nor can i stay there? Isnt that illegal. The building is still vacant and boarded up per the city.
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WY)

Have made multiple attempts for experian to removed multiple collections accounts from XXXX and XXXX that are on my account the original creditor XXXX XXXX XXXX has verified XX/XX/2014 was date of last payment on accounts and has been removed from all other credit bureaus except experian will not remove item after multiple attempts.
Consumer complaint received 2017-09-17
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)

On X/X/2017 I obtain a copy of my credit report from Equifax and notice inaccurate and incorrect information being reported as well as duplicate. 
I know this can be investigated and corrected please validate or remove because these items are only showing in my Equifax report and not the other 2 reporting agencies. 
This is not a refusal to pay but a notice to remove paid accounts and duplicate accounts with the same information please validate or remove because these items are dropping my score.
Consumer complaint received 2022-06-13
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: Certegy Holdings, LLC (CO)

A company named CERTGY has repeatedly tried to collect {$40.00} saying a company by the name of XXXX XXXX XXXX  and check # XXXX dated XX/XX/22 was denied payment. We checked with the company XXXX XXXX  and we owe them nothing, in addition we have no checks with that # associated with our bank. CERTGY can not verify its legitimacy and demands access to our bank. We will never give bank information on the phone to anyone.
Consumer complaint received 2021-11-21
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. (TX)

My credit report score has not changed in over XXXX months and I would also like some incorrect information on my credit report deleted. I am willing to file for litigation if this insurance is not corrected
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act 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 an account without written instructions violated my rights.
Consumer complaint received 2018-10-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I am unable to communicate with Ocwen because I am being represented by an attorney. My attorney has made several attempts to communicate with the servicers attorney XXXX XXXX and even sent him several emails, as of today no response. My insurance agent has made several attempts to get my homeowners insurance policy renewed, as of today she hasn't been able to get anyone at Ocwen to assist her, probably because the servicer is pulling another flimflam to sneak in another force place insurance policy again. How am I suppose to get matters resolved if the servicer wont communicate with me and its outside lawyer XXXX XXXX wont communicate with my lawyer?
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Good Morning. 
The issue was with Fifth Third Bank. I had a balance for {$4.00} and did not pay for two consecutive months. They reported me to the Credit Bureau what affected my score considerably. 
I called customer service because even when I'm not enrolled on paperless statements, I never received an Statement over the mail. I was wondering I had the autopayment choice saved with them. Online they have a tab with Alerts and Messages. Both inbox are empty. I never received an email or notification about these late payments. Usually banks call their customers when this happens. I never received a courtesy call from them. I asked why I never received any notification and the responses were ridiculous. I was reading the reviews of this bank online and they use to abuse with customers and this case is similar to many others. 
I really would like this bank to stop abusing customers, this is not the way Bank acts.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

I believe it was the first week in XX/XX/2019 and my wife and I stopped in the XXXX XXXX in XXXX Maryland to purchase luggage. We were told they didn't have any there in two sizes and where referred to their web site. I got home and ordered the luggage on their site and was told that i was automatically approved for a credit card and therefore a 15 % discount on this purchase. I said OK and had to fill out a form and did. I received the luggage XX/XX/XXXX and XXXX 2019 as close as I an remember. On the XXXX i received a letter turning me down by XXXX XXXX Bank. I have a XXXX XXXX score or a couple of points either way depending on the agency. I called XXXX on XX/XX/2019 at XXXX and was asked, not by a person but by software to type in my social security number. I hung up called back only to be asked again to type in my SSI #. i finally dialed Zero and got a XXXX who defended this practise so I informed her I would certainly let everyone I know of this event. My complaint is on the legality of asking for my personal information by a computer. I also want to know what different ssi # was on my pre approval and why did not someone contact me right away.
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (HI)

Submitted disputes with Experian, XXXX and XXXX : this issue has not been resolved. I have never opened a line of credit and a through investigation will prove that. There was an additional address and phone number listed on my credit report that I have never used and do not belong to me. Lines of credit were opened under my name and without my consent and my credit has suffered as a consequence. I am XXXX XXXX military and travel often, my social security number is listed on many military documents. It is for all these reasons that I have concluded that fraud has been committed through identity theft.
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (FL)

This happen on XX/XX/XXXX My Card Was Mail To A New Address And Someone Close Out My Old Card And On XX/XX/XXXX Someone Use My Card I called the company and said I can not get my money off my card and they just told me someone had used my card and I cant get my money back but they dd send me a new card
Consumer complaint received 2018-04-20
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

New American funding is lax in their ability to process.. I signed all th loan docs and wired money ,over 200000 grand . We were supposed to close XX/XX/XXXX then it changed to XX/XX/XXXX .The lender is saying that they want proof the the money is mine. .......I was robbed of my identity on Sunday ,XX/XX/XXXX so I had to change all my financial accounts.. I wired the money from my new account same bank. And they say its not my money. But THEY HAVE MY MONEY !!!!!! The sellers want to cancel because of the decrepancies of the lender ,XXXX XXXX,and her processor from XXXX XXXX.they are giving until XXXX  today. The lender did not act on this proof of funds being mine until XXXX XXXX on the day of closing,Thursday, after I signed the papers and wired the money.  They had since Monday. I have done everything they have asked for immediately. Even did not go to work in order to do so I may lose the house and my money is in limbo. Its  negligence and lack of ability to do their job which has caused much grief emotional,and financial hardship on all myself and the sellers and the realtors .
Consumer complaint received 2020-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Everest Receivable Services Inc. (OH)

In XX/XX/XXXX or XX/XX/2020. a fraudulent charge. was made on my XXXX account. My bank stopped credit card charge do to charge being out of state purchase. XXXX then tried to go in my bank account directly, but charge was still denied. So the debit left with XXXX. I tried to contact them through their website, but it was like a house of mirrors. Non of their options on their web page lead to a customer service rep. XXXX sold their debt of {$530.00} to Everest Receivable Service. They did call last week and I talked to one of their representatives ( XXXX ). I explained the situation, but he didn't want to hear that it was a fraudulent charge that XXXX let go through, even though my bank denied charge due to fraud, He asked me if I made a police report. My response was no, I did not know you could do that. I am receiving notices through the mail that I own them {$530.00} for a charge I did not make. How can these be resolved? Please advise me what I need to do. I don't feel like I should pay a fraudulent charge do to XXXX 's poor protection of their customers monies. Thank you, XXXX XXXX
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

( No subject ) [ Draft ] This message hasn't been sent. 
Saved on : XXXX XX/XX/2022 XXXXXXXX XXXX  This Credit Bureau systems has never contacted me. The only reason I'm aware of their existence is because they are continuously reporting this to the credit bureaus. I have tried to fight some on my credit report but they remove it then it shows back up. I never received a bill from the original company. How can I pay something I never even received a bill? 

Debt collectors must speak to my by phone or in person about the debt or mail a letter or electronic communications about the debt and wait for a reasonable amount of time ( usually 14 days ) to ensure it was delivered before reporting anything to credit reporting companies. This never happened. I never received anything, you can not just ruin someone's credit when you don't give them a chance to pay! This is deceptive, I don't know the amount I owe cause I never got the bill! I believe they are trying to claim way more than what I should owe. The debt collection company has to provide me with Name and mailing information of the debt collector Name of the creditor whom the debt is owed Account number associated with the debt An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, called the itemization date. 

The current amount of the debt as of when the validation notice is provided. 

Information about your debt collection rights including how to dispute the debt I never received any statements or bills and the original creditor had my phone number and correct mailing address.