davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

We requested that Equifax put a freeze on our credit, as we were among the 130M whose PHI was hacked from their data base. It became necessary for me to open a personal phone account with XXXX on XXXX XXXX, 2017. XXXX was not able to open the account due to the freeze. I spent at least 45 minutes on hold with Equifax waiting for someone to pick up, in the XXXX office and no one ever did. We contacted Equifax at home and asked them to release the freeze for 72 hours will I was applying for the account. I went back to the XXXX office one during the 72 hours and went on line with XXXX for them to start an account and both times they were told there was a freeze. We then went to Equifax and asked them to permanently lift the freeze. Two more attempts were made by XXXX to start an account and both times they were told there was a freeze, the most recent was XX/XX/XXXX. However, on XX/XX/XXXX, we receive communication from Equifax that the freeze had been removed and our complaint was " completed ''. 

If I needed to have credit issued for any emergency, I could not because Equifax has been inadequate at fixing this problem. Please advise what I can do next.
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

I have already written to you about my issues with PHH Mortgage. They claim that the wire transfer of my payoff was received by them from the home buyers attorney, XXXX XXXX, on XX/XX/XXXX without the mortgage account number, and that they sent it back in XX/XX/XXXX. Her bank says it was not received by them until XX/XX/XXXX, and even though I have repeatedly authorized them to directly communicate with both my attorney, XXXX XXXX, and attorney XXXX XXXX, they refuse to communicate with either. I want to resolve my own situation and also to warn all consumers to stay away from this company.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Receivable Management Services LLC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2017-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth Financial has been reporting an ER bill/medical collection for {$560.00} to my reports since XXXX 2017. I do n't know where this debt is from, as I have no outstanding medical bills. Either XXXX XXXX XXXX is mistaken in their accounting, or Commonwealth is reporting an erroneous collection. I looked up the company in an effort to contact them directly and noticed they are n't a licensed company. It makes me wonder if the debt actually does exist, or if they just report things to people 's credit to make money from those who do n't ask questions
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 US Code 1681 the former was reporting inquiries without my permission and the latter was accuracy and fairness of credit reporting. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent a letter to Equifax on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (AZ)

PMS is trying to collect I do not owe XXXXXXXX XXXX XXXX XXXX. my insurance needed to pay the bill and then the rest was paid by me as my deductible. I paid off the bill and do not owe anything to XXXX XXXX 's XXXX.
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2017-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

On Saturday, XX/XX/XXXX, my roommate transferred me {$2000.00} using the Chase mobile banking app, as she had done many times before. I have a Chase bank account so the transfer should have gone through immediately, as it is supposed to. About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. We both went into a Chase and they said not to worry and just to wait a few days. After a few days, we contact Chase and they say we have to contact their claims department to get the money back. My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXX XXXX has to do something. For the next two months, we go back and forth between XXXX XXXX XXXX and Chase trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. The transfer was done using XXXX, which is a third party company that Chase and many other banks use so we also contact them after giving up on Chase and XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX say this is a Chase problem since it was done using their app and since we are both Chase customers. Chase refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! )  because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and Chase. Both banks STILL wo n't cooperate even with the police! I even called the Chase Executive Customer Service number and submit a complaint on the XX/XX/XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. Please help!!!!!!!
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NV)

I have repeatedly called the servicer to make a payment or make payment arrangements. 
Selene Finance. 
Typical call Please hold, representative not available please schedule call back in two minutes never get a call back. 
Promised to call XX/XX/XXXX for payment they never called. 
Get random calls from agent completely clueless as to any previous conversation. 
offer to have someone call and discuss options. never got a call back. 
sent paperwork in 2020 Tax return missing sent all other paperwork. 
their denial say 's nothing received. 
agent made work out plan. Plan denied by higher ups. 
loan {$95000.00} equity {$150000.00} Plus
Consumer complaint received 2021-11-01
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (OH)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Bridgecrest presented me with a fraudulent contract, they did not fully disclose all accurate and truthful information in the loan contract. 


I have demanded the Bridgecrest send me all requested information in order to prove that the alleged debt is owed, which they have yet to be so but they have continued to violate me consumer rights. They have not sent any of the information they are legally demanded to send according to 15 USC 1692g but they continue to collect on a debt that I have disputed which violate 15 USC 1692g ( b ).

I demanded the Bridgecrest send me the following information : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged Account # ( 4 ) Address on file for alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) Was this debt assigned to a debt collector or purchased?, ( 9 ) Amount paid of debt was purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact the holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ). Bridgecrest gave a response that was not sufficient as they didnt provide the information requested above.

Bridgecrest violated my Cease and Desist on XX/XX/2021 by sending me a letter that did not sufficiently respond to my concerns, request and demands but also informed me that it was an attempt to collect a debt. 

I also informed Bridgecrest that a sufficient response to my Affidavit of Truth was affidavit response with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stands as truth in commerce but that I can/will file fault judgement in the favor of me, the consumer and the necessary actions will be taken against Bridgecrest and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc. (VA)

I went to the hospital back in 2018 and I paid with my medical insurance that was supposed to cover any payments, months later I received a letter stating I was owing money to the hospital so I went to the hospital and they said I was not owing anything due the insurance paid it off so now I checked XXXX XXXX and I saw this account saying I owed almost 300 bucks out of nowhere.
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Disputed inquiries on credit report and company did not investigate as required by law. Instead company sent a form letter explaining inquiries. This is in direct violation of the law when consumer disputes information reporting. 
XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau - XXXX : This should of never went to collections. I never received a notice back when this were due. Also there shouldn't of been a balance because this was paid a long time ago. I was told that this was going to be removed from credit and it never was. I no longer owe this debt as it has already been satisfied. This needs to be removed from my credit file immediately as this is what should of happened in the first place.
Consumer complaint received 2021-11-01
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Consumer complaint received 2023-03-29
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: LEXISNEXIS (LA)

*See attached!! DELETE NOW please this not proven certified compliantly reported injurious information unfairly accused of me Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

After complaining about poor service to the CFPB, the credit card company has closed my account and deleted my online access. 

The phone rep said that " XXXX '' reviewed my account and closed it. XXXX never spoke with me about closing the account. 

I had tried to close the account earlier, but Citi refused to close it. After I complained to the CFPB, Citi received the complaint and retaliated by closing the account, deleting my online account access, and keeping a nearly {$7000.00} credit balance. 

I want them arrested.
Consumer complaint received 2023-03-29
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. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX ; XXXXXXXX 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 2020-11-02
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. (NV)

Experian is reporting a inaccurate account that is in collections to my credit bureau. I uploaded the deletion document to Experian and have yet to see the account deleted. Letter submitted to Experian on XX/XX/20 for XXXXXXXX XXXX XXXX
Consumer complaint received 2021-08-19
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. (FL)

I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the inaccuracies.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I have sent several notices to this company to no avail. They are deliberately not verifying inquiries listed on this Chexsystem report or disputing them and also have very old data reporting on this Chexsystem report as the debt as bad debt/acct abuse/ balance owed for institutions I never used checking acct for. the accts they are showing are very old and outside of my statutory period to collect and also have been discharged in bankruptcy and they are still reporting as they are prohibiting me in moving forward in reestablishing good standing with other creditors and a fresh start.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello I was reviewing my credit report and noticed a few late payments. my account is in good standing and I will like to ask for forgiveness for the late payments. having late payments on the account is stopping me from obtaining credit. can you please help me out please .the account # is XXXX and XXXX
Consumer complaint received 2021-06-03
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. (UT)

I am a victim of identity fraud from my sister XXXX XXXX. I have filed an FTC report and disputed these debts multiple times. Originally they will be deleted and then the company just adds them back even knowing they are fraudulent. Please help me
Consumer complaint received 2020-08-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (LA)

I was contacted for the last 2 years for debt collectors, my family and friends too. they damaged my credit and all my financial services, in the past a I had debts but I worked with a company to paid and be free of that, but unfortunately this company keep doing the same
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I received a letter in the mail on XX/XX/21 stating that I was denied a Best Buy Credit card after applying for one. The reason was because a social security number that was provided did not match the social security number on credit bureau report. I had not applied for a credit card recently and have never applied for a Best Buy one. I had contacted XXXX about this matter and they told me my next steps to take were to report fraud via FTC.gov.
Consumer complaint received 2021-02-10
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (IL)

On XX/XX/XXXX, I submitted a dispute letter to all three credit bureaus. I received a response from all three credit bureaus. On XX/XX/XXXX, I sent a demand of action letter to all three credit bureaus demanding the removal of all duplicate NELNET accounts. XXXX has not removed these duplicate accounts. XXXX and XXXX have. Two accounts with account # XXXX and two accounts with account # XXXX ( for a total amount of {$4300.00} ) are showing closed in the same frame and showing POSITIVE with XXXX. On XX/XX/XXXXI submitted an in-school deferment request to NELNET. As of XX/XX/XXXX, they noted the account, " No adjustment needed, '' because the accounts are closed. They can not confirm my deferment because the accounts were closed. Also, on XX/XX/XXXX, I sent a correction to the credit report to remove XXXX XXXX which was paid in full on XX/XX/XXXX. They have failed to remove that as well.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!