davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am not an attorney or a Third party, I am having a issue with some one using my person information to collection insurance benefits and ordering utilities in my name. I have a common name XXXX XXXX and I believe my name is either being confused/used as someone else. 

The following addresses do not belong to me Please delete them at once : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX. Please remove any other address they do not belong to me. 
I found numbers that do not belong to me as well please delete they are not accurate ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (KS)

I was first notified that my information had been compromised in XX/XX/2021. I have notified the police, put an alert on my credit with all 3 bureaus and thought that I had resolved the fraudulent accounts opened with my information. In XXXX, I was notified of a collection item from a payday loan establishment in the amount of {$2900.00}. I disputed the item with XXXX and it was not resolved and removed. I am, again, trying to get this negative and fraudulent account removed from my credit report.
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (CO)

I am being repeatedly called by a debt collector agency, Harris and Harris. I have checked my credit report numerous times and there is nothing in my credit file about owing any debts. To my knowledge, I also have not received a letter about any owed debt and I have no idea as to what they are referring to. As I do not believe I owe any debts and my credit report doesn't show any, I have no idea why they call me so frequently.
Consumer complaint received 2019-01-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (MA)

I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XX/XX/XXXX, or XX/XX/XXXX they would report up to 11 student loans as an immediate 60-days late, then up to 120-days late for several months, then back to paid on time. All of these loans were deferred and were never in a payment mode. Then once again starting in XX/XX/XXXX they would report all loans as 60-days late, all the way up to 120-days late, then a paid on time rating. All of these loans were always deferred,  and now I am consolidating what remains on student loan obligations so that I can finish up my XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX is destroying my credit history. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, Commonwealth of Massachusetts next. I need my payment history fixed immediately!!!
Consumer complaint received 2019-01-14
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. (MA)

I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XX/XX/XXXX, or XX/XX/XXXX they would report up to 11 student loans as an immediate 60-days late, then up to 120-days late for several months, then back to paid on time. All of these loans were deferred and were never in a payment mode. Then once again starting in XX/XX/XXXX they would report all loans as 60-days late, all the way up to 120-days late, then a paid on time rating. All of these loans were always deferred, and now I am consolidating what remains on student loan obligations so that I can finish up my XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX is destroying my credit history. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, Commonwealth of Massachusetts next. I need my payment history fixed immediately!!!
Consumer complaint received 2017-03-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CT)

I have been contacting my mortgage loan company, LoanCare, since XXXX XXXX in order to get my house taxes adjusted to the correct amount. I have sent my loan company my correct tax information multiple times, called and emailed to follow-up on the resolution. It is XXXX XXXX and they have yet to resolve my issue. They do not respond to complaints sent via their website. I have now been emailing them but they are not getting back to me within the time frame they say they will resolve the matter. It has been far too long, and I need resolution so that I do not have to come out of pocket again when the tax bill arrives.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX {$9300.00} The below item is being reported as an outstanding debt on my credit report. the original debtor has requested that the credit agency remove the negative mark from my report as this debt was settled with them about 9 months ago. 
I disputed this item through the website and after 93 days i still have not received an update on the investigation. when i called the credit agency for an update, they stated that a " glitch '' in the system caused my dispute to get sent to the wrong creditor. a week after and 100 days after i submitted my request for an investigation, my report started reflecting : Dispute resolved and i was sent a letter stating that the item was reporting correctly. 
the credit agency took over 100 days to investigate my issue no communication or updates were sent to me regarding my dispute for 93 days XXXX XXXX XXXX {$9300.00}
Consumer complaint received 2022-07-27
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX XXXX I pulled a copy of my credit report and notice a judgement was reporting, this was mind blowing to me because I knew that I paid all my bills on time and should not have any judgement against me. So I sent a certified letter to the credit bureaus XXXX XXXX XXXX, to ask them to investigate and remove incorrect account from my credit file. All XXXX bureaus responded stating the account is correct and I should contact the XXXX court because they are the ones that send over the information to them. 

I reached out to the XXXX court, they told me that they had no judgement in my name and also, that they do n't communicate or report any information to the credit bureaus. So I sent another certified letter to the credit bureaus XXXX XXXX XXXX, letting them know the response I got from the XXXX court and XXXX and XXXX responded stating that they deleted the inaccurate information. I did not get a response from Transunion, so because XXXX and XXXX did the right thing and delete the inaccurate account, I assume Transunion did the same. 
In XXXX XXXX I pulled my credit report and notice Transunion score was much lower than XXXX and XXXX score. When I look deeper i notice Transunion was still reporting incorrect judgement, so I wrote to them XXXX XXXX, XXXX with a list of questions XXXX of those question I asked, was the names of the people they spoke to, and to provide me copy of all the documentation they received from the courts as proof that whatever account they are reporting is accurate. They responded XXXX XXXX, XXXX with a generic letter stating the account is verified, with no proof of how the account was verified and absolutely none of my questions were answered.
Consumer complaint received 2021-07-14
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: Experian Information Solutions Inc. (NY)

I will request again to Experian Remove all the negative information from my credit report immediately Im tired of the lies by Experian saying or the information is verified by the furnisher that is XXXX.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Per 15 USC 1681- credit reporting agencies must report fair and current information. There is quite a bit of unfair and not current information on my report. 

Experian credit report shows that I owe {$140.00} to XXXX. It, also, states that the account was a Charge-off. Per the IRS, all " Charge-Off 's '' are considered to be " income ''. 
Credit reporting agencies are not allowed to report " income ''. The same is true for the XXXX and the XXXX XXXX XXXX XXXX files. 
In addition, one of my contracts was with XXXX XXXX. Not XXXX XXXX XXXX XXXX XXXX XXXX the account as a " Charge off ''. The other was a contract with XXXX XXXX. XXXX XXXX closed the account and completed a " charge-off '' for the balance. 
Also, there are several inquiries on my report. None of which are showing an actual reason for the inquiry. Per 15 USC 1681 there must be a legitimate reason for these inquiries for them to fulfill the requests. These are : XXXX XXXX ( XXXX  XXXX I assume ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Unknown who this is ) XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  ( XXXX XXXX XXXX  XXXX ) XX/XX/XXXX XXXX 's XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have not given Esperian any form ( written, verbal or electronic ) permission to release any personal information to anyone. The year of my birth is on this record. Another violation. At my age it might be a XXXX violation, also. 

There are XXXX addresses on my report. 
XXXX XXXX XXXX XXXX, XXXX, XXXX  -- -- - this address is unmailable XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  -- - this address is unmailable ( XXXX yrs ago ) XXXX XXXX XXXX, XXXX, XXXX  -- -- this address is unmailable and should have been removed quite some time ago. Very old information is a violation. 15 USC 1681 states that old outdated information can not be reported. I have not lived in that area since XXXX. I did give Experian my current and correct address. 
Experian, is also, claiming that they can not lock out " soft inquiries '' unless you join their membership for a monthly fee. This is NOT TRUE. The law states that we can lock those and our entire account from being reported by them. This is deceptive practices on their part and bad business all around. 

Esperian reporting false information on my credit report is hurting me. I can not apply for any credit cards or loans, as they use this information negatively to deny me.
Consumer complaint received 2022-07-08
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. (OH)

N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION : 602 A. STATES I HAVE A 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
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (CA)

I have a credit card with Self financial.They are reporting inaccurate lates on my report.I agree that XXXX and XXXX was both 30  days late. XXXX was paid on time but showing 60 days late. XXXX is not due yet but showing 60 days late as wellXXXX and XXXX is definitely inaccurate reporting. Ive disputed this many times and even talked to a supervisor in which she agrees on the inaccurate reporting upon receiving my payment statements and has escalated this matter.All of my disputes as come back remaining the same.They are still reporting inaccurately which is in violation of my rights.
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

I sold an item on XXXX. The buyer paid me through PayPal. I then received a fraud email that I believed was from PayPal stating I needed to send the buyer a money request for an additional {$520.00} and after I received that pending amount in my PayPal account. I then needed to turn around and send the buyer the {$520.00} through XXXX app. This would upgrade my PayPal account to a business account then all my funds would be released from the buyer through PayPal. So I followed all instructions. Except my money was not made available any of it. I called PayPal and they didnt send the emails.
Consumer complaint received 2021-07-14
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mr. Cooper Group Inc. (GA)

It is insane I get multiple calls and no voice mail. Called the number and the recording stated Mr Cooper debt collection call, please hold for next available person. Here is the kicker, my mortgage is not late until the XXXX of the month! Today is only the XXXX. The Mr Cooper person told me they are allowed to start debt collection calls beginning on the XXXX day of the month. I told them there is no debt to collect until the payment is late which would be the XXXX of the month and today is only the XXXX.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (UT)

Enhanced Recovery is reporting an account on my file that I have paid. I recently took a look at my credit and notice ERC is still reporting a debt that I have paid to them. I ask that they remove this account as it has been satisfied. I am aware that they can report to the bureaus as they deem necessary. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this account.
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC (UT)

First off, their customer service is abhorrent! I have been trying to dispute this debt since I learned from other means that I had already been taken to court. I never received notification from these guys that they were serving me. I have checked with the courthouse and the physical description they have of me on file doesn't even match my actual physical description. I don't know who the blonde with perfect eye sight is but, it definitely isn't me. I was never notified of the debt to start because these accounts they list are a result of identity theft and after I have dealt with their customer service I understand why identity theft is so rampant in our country. I had over 5 different reps just provide me with the address on the account and ask that I confirm that it was my address. 1. Not my address. 2. How did you obtain the address since I never provided it to you. 3. How does your skip-tracing work? I only ever called or chatted from the address you have on file. I've never lived there. 

These guys grossly violate compliance with their skip-tracing program. I have to assume the reason why they have the address that they do is because they are violating my privacy rights by using cellphone location. It's the only way that address could've shown up because I have never lived there. 

These guys seem to have an awful lot of information about me without any documentation showing I've consented to any of what they've done. I believe these guys stole my identity at this point since they haven't been able to provide a single signature for any of the accounts they are collecting. 

These debts are invalid. They've not only stolen my identity ( hey, they have the information and nothing indicating consent from me ) but, now they're trying to steal from me further. They never notified me of these accounts properly or else they would have mail confirmation receipts. Anyone can type or copy and paste a letter then change the date so that it makes it look like they're compliant but, I know these guys never sent anything out since they're the ones that stole my identity.
Consumer complaint received 2018-09-11
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: CITIBANK, N.A. (WI)

I had dispute filed with City credit card requesting to investigate charge that was improper as I left an item in XXXX store on XX/XX/18 and was requesting a refund. XXXX at that time promised to refund money multiple times but did not. I filed dispute for the portion of the charge with City card and Citi card failed to investigate dispute properly, misstated that they sent me required paperwork for supporting documentation at the same time emailed statement that they are still investigating therefore never sent any request for supporting documentation hence caused me to miss my deadline : I feel I have been defrauded by Citi card. Then Citi bank stated that I missed deadline to provide supporting documentation and declared lost dispute, an addition reported that negatively and improperly to credit agencys '. 

Eventually, XXXX checked their records and refunded the wrong charge however City card never amended their ill reported lost dispute and my report still has their fake negative comments. 

I request negative reporting about lost dispute removed from my records as being unfair and fake.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XX/XX/2021 Is when I mailed off my credit dispute letters to the credit bureaus. It has been more than 30 days and still no investigation results. This is a violation of my rights.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: B9, Inc. (TX)

Every communication was documented in the files that I attached. 

on XX/XX/XXXX, I filed a dispute for {$980.00} of fraudulent charges made with my virtual card number. These charges were all done from XX/XX/XXXX - XX/XX/XXXX, while I was in XXXX  and had no access to my phone or computer. 

My dispute was originally denied and then my account access was restricted because they stated that I violated their terms and conditions for allowing my card information to be stolen. I escalated the issue to a manager and the dispute was reopened and a request for a refund was submitted to the merchants. 

on XX/XX/XXXX, I requested an update and recieved an email stating that I was issued a provisional credit of {$980.00} which was deposited in my account on XX/XX/XXXX. The email stated that the funds were available to use immediately while the dispute investigation was in progress. I then tried to access my account however, my access was still restricted from when the original request was denied. I reached out to support and they stated that I could ACH transfer to another account. I advised again that i could not access my account due to the account restriction and then they stated that I wouldn't be able to access the funds until the dispute process has completed. They refused to inform me why I was told that I could use the funds and they refused to let me know why I couldn't at least transfer to another account.