davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX Sirs : It is my understanding that in XX/XX/XXXX Equifax implemented a new system for consumers to manage security freezes on their credit report. The new system appears to operate under the web address of myEquifax.com. Apparently, since your conversion to the new system, you have suspended my access to my online account and I am no longer able to access the online system to temporarily lift my security freeze, when I require that action be taken. I discovered this system error in early XXXX when I attempted to temporarily lift my security freeze. After several different sets of instructions from Customer Care, I had to use the phone-base system to perform the required action. The Customer Care organization in the XXXX is unable and unwilling to determine what was done to my account and what I am required to do in order to have my access restored to myEquifax.com. I have been calling Customer Care on a regular basis and continue to get the same tpe of response I'm sorry to hear you're having a problem, I will submit a report of the problem, and You will receive an email when the problem has been resolved. All of this occurs usually after I am quizzed about the contents of my credit report so they can be assured they are actually talking to me ( they all use the same script ). The end result is that nothing has been done. 

This has the appearance of another breach of your fiduciary responsibility in handling personal information of the people whose data you harvest and then sell for a profit. I have been trying, unsuccessfully, for several months to get any substantive information about why my access was removed and what I have to do in order to get my access restored. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I am asking for SLS to audit my account, since servicing XX/XX/XXXX my loan. They have failed to provide any documents with the proper information and correct balances. I want them to show me how my XXXX paid since XX/XX/XXXX how it was handled. I am asking for a complete audit on this account, not typed in a letter but I want the detailed actual document that they are going off of to present on this complaint. I need to know that my money was handled correctly and there is no fraudgelent activity taking place. With these incorrect balances they have reported to the credit agencies XX/XX/XXXX more than 90 days late. SLS has failed to provide correct documentation to support their response and show any accuracies. This account needs to be audited immediately. this is what is place right now -- -- Defamation of character occurs when someone makes a false and harmful statement about you. " XXXX '' is a defamatory statement made in writing or posted online, while " slander '' is spoken defamation. Those essential components of a defamation claim are fairly straightforward. I also have approved phone calls with this company refusing to give me details on this loan. 

correct credit report, explain to me why I got a bill over XXXX for XX/XX/XXXX. 
then explain to me why on their website does it say XXXX. I am demanding this company to audit this account as it is my right to have documentation of all facts to the account. They have failed to provide any legal documents that are correct to me. Provide me supporting documents to verify the two different amounts on this account. Calculate how much money has been paid on this account since XX/XX/XXXX and give me the balance. Then explain to me how they got the balances that they got. this is illegal and they are committing fraud. I need to know my money has not been tampered with or embezzled by someone is this company.
Consumer complaint received 2019-08-07
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. (NV)

Take note that XXXX ( Original Creditor : 11 XXXX ) XXXX is not my collection. I do not owe this company, collection agency never contacted me to discuss about this alleged account. I did not sign up for an account with XXXX. I do not have an acknowledgement with the original creditor, I did not sign up for an account with XXXX, Remove XXXX ( Original Creditor : 11 XXXX  ) XXXX from my credit report
Consumer complaint received 2022-01-21
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. (IN)

TransUnion is terrible!!!!! On XXXX I attempted to lift my credit freeze via TransUnion 's website. I got an error message directing me to call customer service. Over the next 1.5 hours I called 4 times. Each time the person on the other end of the line spoke poor English ( I've lived overseas and am sympathetic to those speaking a foreign language but TransUnion 's employees were nearly unintelligible ). Each time they assured me that my freeze was lifted. All but the last time, it didn't work. After the 4th attempt, my creditor ( XXXX XXXX  XXXX ) showed the freeze was lifted but there was no credit score. Only 3 previous addresses. I'm XXXX yrs old, have a mortage and credit cards. I'm sure there is a score there. When I tried to access my credit score on my computer, just now on TransUnions 's website, it gave me an error and asked me to call their customer service. This is unacceptable.
Consumer complaint received 2021-05-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cornerstone Holdings, Inc. (AK)

Cornerstone Collections in XXXX Alaska ... called and would not give me info, yet wanted my name and I had no idea why they called. Was rude and hostile. Told me after the fact that it was an imaging bill. I am not giving out my insurance info to a stranger.
Consumer complaint received 2023-06-20
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. (NY)

This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX  XXXX
Consumer complaint received 2019-02-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC (MD)

i have a vehicle financed by XXXX XXXX XXXX. I am receiving several phone calls from them on a daily basis every time I am late on my payment. Even the day payment is due including Saturday 's and Sunday 's starting as early as XXXX est up until XXXX. I advised them that my payment will there a few days after the due date and they still call me several times in a day. I asked if I can get my due date changed to coincide with my pay date and was advised that they could not change the date. did not give me a reason.
Consumer complaint received 2022-09-27
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. (NJ)

And I have identified information on My consumer reports that result in identity Theft. These items are not transactions is completed by me. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Ftc report number XXXX Ftc report number XXXX
Consumer complaint received 2022-09-27
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  account XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX MANAGEMENT # 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 the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (TX)

XXXX XXXX XXXX works with XXXX XXXX XXXX XXXX and started sending 2 bills in 1 month. My employer committed XXXX Discrimination against me and pushed me out of my job. So my grandmother and father were paying my bills. I was sending XXXX XXXX XXXX {$3.00} or {$5.00} dollars a month from my fathers checking account until they stopped sending me my bills immediately sent it to a collection agency, they were zombie debts that they have put current dates on. They dont list the dates of service and I can go to my dads bank and have the checks show I was paying them by law what little I could afford to pay them but I was 7 different accounts they were sending 2 bills in a month and I was paying what I could before they stopped sending me my bill and immediately sending it to collections. Which is illegal and I can have the checks sent to a lawyer because XXXX XXXX has already been sued for their illegal billing habits
Consumer complaint received 2021-05-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (GA)

Ally Financial at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been reporting inaccurate information on my account. On XX/XX/2021 XXXX investigated my dispute and deleted this information from my credit report because there were fraudulent charges made and the credit limit and/ or high balance are/is incorrect.
Consumer complaint received 2021-05-12
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 - I filed dispute in regards to the incorrect items on my credit report. it has ben well over 30 days and i haven't received any investigation results.
Consumer complaint received 2021-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2021 - I filed dispute in regards to the incorrect items on my credit report. it has ben well over 30 days and i haven't received any investigation results.
Consumer complaint received 2022-01-21
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I wrote a letter to all XXXX credit bureaus asking them to please fix any inaccurate identifying information within my Name, Addresses and phone numbers sections of my 3 credit reports. 

XXXX fixed the errors and sent me a new current and updated credit report. 

TransUnion has NOT removed an address from XXXX that needs to be removed ASAP. 

I sent all 3 letters via certified mail on XXXX *** I am still waiting for the response from XXXX as of today ... XXXX
Consumer complaint received 2021-05-12
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. (PA)

I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Take note that I did not sign up for an account with these original creditors.. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first ... I requested bureaus to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2019-08-07
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. (TX)

Take note that I did not sign up for an account with these original creditors.. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first ... I requested bureaus to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

Equifax had a data breach in XX/XX/XXXX in large part because it maintained consumers ' credit and personal information in a negligent manner. Initially, Equifax offered a free credit monitoring services called XXXX   XXXX. In the fall of XX/XX/XXXX, Equifax notified me that it was ending XXXX and offering me a free alternative credit monitoring service called MyEquifax. However, Equifax stated in the FAQs about this change that if anyone had a freeze on their Equifax credit file, that freeze would be unfrozen when XXXX was ended. As one who has maintained a credit file freeze for the last 20 years, I was effectively forced to enroll in the free MyEquifax program to restore the freeze on my credit file. Unfortunately, the MyEquifax software did not and still does not work to restore the freeze on my Equifax credit file. In addition, the work-arounds Equifax offers to consumers when the software does not work also failed because the Equifax customer service staff members also can not get the software to work to re-freeze my Equifax credit file. Yes, Equifax customer service staff members talked to me on the phone and sent a special PIN through the mail, but that did not enable me to re-freeze my Equifax credit file and the Equifax customer service staff also could not and can not re-freeze it.
Consumer complaint received 2022-09-27
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (AZ)

On XX/XX/XXXX I contacted apple regarding a transaction that occurred in error. Ive attempted to get this issue resolved XXXX separate times and spoke with XXXX managers that ASSURED me it would be corrected. At first I was given a XXXX day turn around on XX/XX/XXXX. Then I had called back on XX/XX/XXXX I was given XXXX days then contacted them XX/XX/XXXX I was given XXXX days then I contacted once more at the beginning of XXXX and was told again XXXX days and they could not open the review because it was locked so there was nothing that could be done but was told extensive notes would be taken and just to wait it out. I advised I would be calling back or taking further action. I have waited XXXX more weeks with no response and now it has been reported to my credit bureau about this supposed transaction that doesnt exist. In my apple statement it shows Im negative {$2100.00} which isnt allowing me to get anything using my credit. I am unable to apply for anything at this time. Ruining my credit in the process and unable to use my card for any purpose but still having to pay it. I was charged {$2100.00} on XX/XX/XXXX. The reason being was my monthly payment was supposed to be taken out on that day I had contacted apple because I can not make that high of a payment so I asked to be switched to minimum payments and so it was done. I was refunded the {$2100.00} the following day with my bank and all that was needed to be done was this to be updated on my statement ; the error corrected. The minimum payment was {$88.00}. Instead I was charged the {$2100.00} exceeding my limit and causing it to be reported to my credit bureau. Every time Ive contacted apple theyve said it was an issue on their end with different time frames as to when this would be corrected. And as of today XX/XX/XXXX its still in review. I am unable to use my card as intended ; emergency purposes and Im still having to pay off a balance that isnt mine. In no time did I purchase anything of the amount of {$2100.00} which was disclosed of many times. I also asked about a temporary credit which was also denied as to the fact that my account was in review and locked.
Consumer complaint received 2022-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CO)

YOU SENT ME A LETTER ATTACHED TO THE LAST COMPLAINT SAYING THAT I OWE TOTAL XXXX  YET YOU ARE REPORTING THIS ORIGINAL ACCOUNT FROM AN ADDRESS THAT WAS NEVER AN ADDRESS OF MINE THIS IS FRAUD AND HAS BEEN REPORTED TO THE ORIGINAL CREDITOR AS WELL AS VERIFIED THEY RECEIVED THE POLICE REPORT FROM XXXX COLORADO POLICE DEPARTMENT FOR ID THEIFT, THEY HAVE RECENTLY REMOVED THIS AS THEY WERE REPORTING THIS AT THE SAME THIS COLLECTIONS AGENCY WAS WHICH IS IN VIOLATION OF The Colorado Fair Debt Collection Practices Act ( CFDCPA ). 

TILL THIS DAY HAVE YOU BEEN UNABLE TO PROVIDE THE FOLLOWING FOR Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for THIS COLLECTION AGENCY in case legal action becomes necessary. 


IF YOU ARE UNABLE TO PROVIDE THE ABOVE REQUEST THIS WILL BE FOWARD TO THE ATTORNEY GENERAL OFFICE AND A LAWYER.