davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
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. (IL)

hi I am submitting this XXXX XXXX WITHOUT ANY INFLUENCE THIS IS NOT A THIRD PARTY XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE MY LIFE IS RUINED
Consumer complaint received 2018-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted Transunion customer service because I have been a VICTIM of their inquiry issue would not help and take care of the negative inquiries reporting to your credit report. 


XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (MD)

Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you for three accounts ASSET CARE LLC Account # XXXX Amount {$180.00}, {$140.00}, {$580.00}. NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to you. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( Asset Care LLC ). Please validate that this debt belongs to me and please also show me the original contract. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. If your offices fail to respond to the validation request 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file.
Consumer complaint received 2022-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (FL)

I am getting messages from Sn Servicing that Im unable to make online payments. When you contact their XXXX number you get no assistance but to leave a message and no one calls you back. I was able to make my payment online to them last month and now Im not able too. For some reason Im being blocked. I am also paying more on my mortgage amount not escrow amount that I originally signed for when my mortgage was done back in 2004. Im also being told I owe payments which were made but prior servicing company isnt reporting those payments at all.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (VA)

Received several phone calls from Afni stating that we owed a past due account from a utility company - this was about 3 months ago. 

We just received a statement from Afni. We currently use this utility company and are up to date. The account number that Afni referenced is not ours and our company name is misspelled. 

Our company has contacting the utility company to let them know there is a fraudulent collection company acting on their behalf and to confirm that our account is up to date to which they confirmed. 

The utility company is XXXX. 

The collection agency is listed as Afni XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XXXX Date of notice XX/XX/21
Consumer complaint received 2017-08-25
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. (MN)

XXXX XXXX XXXX is reporting a collection account for a XXXX XXXX account that I have never opened I have asked several times to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 2 days they come back with account verified but not providing me anything that shows that I signed a contract I also contacted the collection company and asked for a contract which I have not received I previously disputed this when the account was with another collection company and it was deleted from my report after cfpb got involved and since then the account was sold to another collection company and now back reporting
Consumer complaint received 2023-03-09
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Every XXXX for the past 3 years the new servicing mortgage company, SPS Select Portfolio Servicing, doubles my mortgage payment owed. The loan was originated by XXXX XXXX Bank. Now they claim I am 3 payments behind. I have sent complaints about this every year to CFPB showing and explaining this. It is illegal and unfair practices. This is also a HARP loan and as such regulated further against discrimination and unfair practices. 

The regular monthly payment is {$730.00} Now they are saying I owe {$2900.00} even though I have made 12 payments every year without fail on this loan. They just keep illegally adding an extra payment every XXXX. I have written to them about this more than once and they ignore me and in fact charge me additional late fees and fines. I must also write XXXX on this.
Consumer complaint received 2022-01-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

the company CONVERGENT OUTSOURCING placed me in collection for a debt that I do not have with the company XXXX XXXX, I am currently a client of XXXX XXXX ( I send account statements ) from last of the date they " announce my debit '', and they " CONVERGENT OUTSOURCING '' never contacted me or " XXXX XXXX '' to talk to me about said debt over {$300.00}... I have called them ( CONVERGENT OUTSOURCING ) and also ( XXXX XXXX ) and they do not know how to give me information about this debt that they promote in my credit history, they do not have an account number, they do not give me information no proof about it, I offered to pay them and they can't do it either since they don't have that information either, but they don't remove me from the collection list either..
Consumer complaint received 2022-01-28
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: EQUIFAX, INC. (NC)

Since XX/XX/2021, I have been unable to access my Equifax credit report. When I login to view my report it is completely blank and all fields have a zero, accounts say none are in existence and there is no history to be found. When trying to refinance my mortgage for the past XXXX months banks are unable to approve me for a mortgage loan due to not being able to access a credit report. My credit report shows as not available and Equifax refuses to fix this. I have called and opened a case and the case was closed with the excuse being that I have to pay for a copy of my FICO score. This is not about FICO scores or any type of scoring model but rather my actual credit report disappearing and being deleted by Equifax.
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a business checking account with bank of America, I noticed some charges described as " Bankcard deposit fees " I asked about it a couple years ago and was told that its a bank fee,, At the end of 2021 I asked again, the fees were getting high and this time I was told by the bank that this was a merchant fee, I informed the bank that my merchant account is with bank of America. the bank also told me that that they did not know who was charging me .. and have no way of finding out. and I would have to contact the fraud department of bank of America, I did and never heard from them since..

The charges occurred for approx 4 years ..The person at the reception area of bank put in a stop request to stop charges and it stopped..
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (CA)

An account was opened in my name XXXX Identity theft ) ending in XXXX with PNC Bank on XX/XX/2021. I received notice of this from PNC bank on XX/XX/2021 and immediately notified them that this was fraudulent. I called them again on XX/XX/XXXX and XX/XX/XXXX because I have not received any follow up or confirmation that this account was closed or blocked. I have not received a case number from PNC. On XX/XX/2021 I received a notice of change of address so I believe that this account has not been closed or inactivated as bank representatives said it would be. 

The lack of follow up communication by PNC bank is unacceptable. 

Please investigate this and follow up with me that the account is locked/closed and that this case is being investigated by PNC Bank. 

Thank you, XXXX XXXX XXXX cell XXXX XXXX XXXX text ok.
Consumer complaint received 2019-07-08
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. (GA)

I am the victim of identity theft. Upon knowledge of the violation, I spoke with Police and obtained a report, obtained an identity theft affidavit which I had signed and notarized. I included all of the fraudulent accounts as well as my ID and mailed it to the credit bureaus. XXXX and XXXX immediately removed the accounts. However XXXX came back said that my police report wasnt sufficient. Equifax completely ignored my statements and have refused to remove items from my credit report within the 5 day period as stated on the FCRA. After calling day in and day out to resolve this conflict, a dispute center manager from another country refused to assist me with moving forward and notified me that it will take 45 days for the items to be removed. The items were mailed on XXXX I was then notified on XX/XX/24 that the disputes sat in a P.O. Box for 2 weeks before being opened. These credit bureaus are criminals who outsource vital information to people in call centers who barely speak English. Someone who doesnt have a social security number shouldnt or wont be effective in resolving conflict with the bureaus and consumers shouldnt have to deal with credit bureaus negligence. Customer service reps at all of the bureaus need to be fully knowledgeable about the FCRA and the governing laws that they must abide by. Despite me reading my disputes and going over the FCRA, the dispute manager refused to assist me with the timely removal of the inaccurate info. My investigation numbers are XXXX, XXXX and XXXX. I sent all of my documents together so it SHOULD be under one number but because they are so unorganized they extenuate the circumstances and handle resolutions very carelessly. They must be held accountable. They should also remove XXXX XXXX information as well.
Consumer complaint received 2022-01-28
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)

I have notified the consumer reporting agencies Equifax, XXXX, and XXXX of fraudulent accounts on my credit report resulting from identity theft and a data breach. pursuant to 15 U.S. Code 1681c2 ( section 605B ) which states that these accounts must be removed within 4 business days of date of receipt.They are still on my report and this affecting my livelihood. pursuant to 15 U.S. Code 1681c2 authority to rescind and/or decline ONLY applies if : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
This request was not given on the substance of any reason to decline or rescind as stated in 15 U.S. Code 1681c2. Also keep in mind that this request does not meet the requirements for you to decline or rescind.
Consumer complaint received 2022-01-28
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. (IN)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-28
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. (IN)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-12-18
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)

Experian still has not shown me any evidence that this account is mine. They have provided no proof of address or any other information linking my SSC or info to this account. Also, it was first reported in XXXX it is now almost XXXX. I am asking again to show me documentation that has my signature, SSC or current address linking me to this extremely old account. 

Verify the " address identification number '' associated with this account and please stop telling me the company states this info to be correct and " please '' submit to me the proof that I am " humbly '' asking for you to provide. 

On the statement you keep sending there is absolutely no proof that this account belongs to me. As a XXXX vet I am trying to obtain a home and this type of incorrect info on my credit report is not helping me obtain a home.
Consumer complaint received 2017-08-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (MO)

Citibank fraudulently used an old HELOC for 10K that I opened with them inXX/XX/XXXX when I bought a home. Never used it, but loan officer said " just in case it 's good to have. '' IN XX/XX/XXXX CITIBANK cancelled the HELOC due to lowering home values.I refinanced mortgage to XXXX in XX/XX/XXXX who since held the loan. Citibank had no balance on account, no mortgage - XXXX owed them. 

InXX/XX/XXXX ( 10 years later ) Citibank sends a bill for their " force bought flood insurance '' and its retroactive toXX/XX/XXXX! Citibank reopened the HELOC that was from an original XX/XX/XXXX Loan long ago paid off, they had no interest ( zero ) in the home. Yet CITIBANK re-opened the HELOC 10k fraudulently & illegally, and used account to bill me {$5000.00} of " force bought flood '' insurance valued at $ XXXX retro backdating insurance charges to XX/XX/XXXX. 

Basically placing a lean on a home they had no mortgage on, and no right to insure. 10 + years later reopening an old HELOC, using this as justification to buy flood insurance using my XX/XX/XXXX account that was long settled, without my approval on a mortgage that they did not own. 

This is fraudulent, does a BANK have a right to re-open accounts from old mortgages using HELOCS to buy insurance WHEN they have n't serviced the mortgage for years??
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My account is paid in full and no longer open. I have a paid in full letter from the creditor as well as multiple verifications from the company that the loan is no longer active. 

Ive provided this to XXXX, TransUnion, and XXXX along with documents supporting this as fact. Each time the dispute results have come back with no changes made. 

So its showing my debt as incredibly higher than it actually is which will affect my ability to purchase a home soon.
Consumer complaint received 2022-01-28
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: Opportunity Financial, LLC (GA)

I open account with XXXX and then I read there fees and interest rate. I closed the account immediately and I never use or activated the card. Then they said me emai saying I owe then {$99.00} fee. They told me they were going to take the fee off and never did. I told them I would see them in court. This wrong charging fees for no reason. Now it showed up on my credit report. I would like this to be removed from my credit report.
Consumer complaint received 2022-01-28
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX The information of closed account of : XXXX XXXX  DELAWARE Account XXXXon my Experian credit report is inaccurate, that account had been settled for {$570.00}, I started making payments first and then decided to pay the rest in one payment so I asked how much it, was, they told me it was {$320.00} XXXX paid that amount, they received the money on XX/XX/XXXX according to their letter and Experian still reports 30 days late on XXXX and XX/XX/XXXX, on XXXX the same account shows no movement after last payment on XX/XX/XXXX. 
That late payments shows in my credit report, and is hurting my possibilities of qualifying for a loan. 
That account should be removed for inaccuracies. 



Thanks