davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2022-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Aspen Properties Group, LLC (MA)

Aspen Properties Group LLC offered me a loan modification on XX/XX/2022. Aspen failed to send me the loan modification documents via certified mail as is required by law. Aspen then went on to conduct a foreclosure sale of my home on XX/XX/2022. Aspen is required to send the loan modification documents via certified mail and allow me 30 days to review the proposal. I never received the loan modification documentation from Aspen.
Consumer complaint received 2023-01-27
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. (LA)

I have obtained copies of all three Credit Bureau 's Reports : In accordance with the fair credit reporting act the Accounts Listed below have violated my rights. 15 U.S.C. 1681 section 602 A status, I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-04
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 Mailed A Copy Of My Inaccurate Information To Equifax Back On XX/XX/2021 And Then Followed Up With Another Letter On XX/XX/2021. 

I Did Not Receive Any Replies Back Or Any Changes. 

By Law, They Are Supposed To Reply Within 30 Days.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Every time I apply for my free annual credit report with Equifax, I get the same response ... 

" Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. '' ... with instruction on how to obtain the credit report by mail. 

What's the point of applying online if I get the same run-around every year. XXXX  and XXXX provide a report online. What's Equifax 's problem?
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

After reviewing my credit reports I noticed that it was an account from XXXX XXXX XXXX reporting negative on my report. I reached out to Bull City Financial Solutions , IncXXXX along with their CEO XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX on multiple occasions to get more clarification on the unknow debt, plus to figure out how they are furnishing negative remarks on my credit report without even sending me any type of written notice. 

My attempts have seem to fall on deaf ears without any proof of verification of this debt or that they followed all laws and regulations to report the account in the first place. So I am placing this complaint with your organization with the hopes that they will finally respond with the valid proof that I owe them anything and they have the legal right to be reporting this negative information on my credit report. 

The location communications were sent is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. 
I also disputed it with the credit reporting agencies, and it seems like the odds are stacked against me because a company can say verified without any real legal proof and the credit reporting agencies just take the companies word for it.
Consumer complaint received 2022-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

In XXXX of 2022 I requested removal of PMI from my mortgage based on XXXX XXXX for substantial improvements made to my home. XXXX, who was the sub-servicer that handled the servicing of my loan on behalf of XXXX approved the removal of PMI based on a reappraisal performed on XX/XX/2022. In early XXXX I received written confirmation that my home has appraised for {$370000.00} or 78 % XXXX at the time of appraisal. I received written confirmation from Cenlar dated XX/XX/2022 that : " We are writing to inform you that you have met the requirements established for the removal of Private Mortgage Insurance ( PMI ) coverage. This insurance has been terminated and no further premiums, payments or other fees for PMI are due. Your monthly mortgage payment amount will be adjusted effective with the XXXX, XXXX payment. '' On or about XX/XX/2022, I received a separate notice from XXXX that my loan was being transferred to Specialized Loan Servicing as the new sub-servicer of my mortgage account. 

I have sine received a mortgage statement from Specialized Loan Servicing with a due date of XX/XX/2022 and the original payment amount of {$1600.00} is shown as due. This is not reflecting the amount of reduced escrow of {$72.00} which is no longer due since PMI has now been cancelled. 

I have called and spoken to no less than 4 representatives between XX/XX/2022 and XX/XX/2022. I was told to send the letter from XXXX indicating PMI was cancelled effective with my XX/XX/2022 payment via email to XXXX, which I did on XX/XX/2022. I also emailed a " Notice of Error '' to the same email address. Neither email has caused SLS to resolve the issue and now the incorrect payment amount is past due and I can not get the issue resolved.
Consumer complaint received 2020-11-03
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. (IL)

The bureaus fell to comply with the law.. Ive sent several dispute letter in regards to my credit concerns. They fell to comply, they haven't provided me with any of my investigation results.. They are in violation of the law. Please help me by removing all my credit concerns from my report..
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Commercial Collection Corporation of New York, Inc. (NC)

On or about XX/XX/2021 I received an email to my personal email account from XXXX XXXX from Commercial Collection Corp of NY concerning the amount of {$5200.00} which the party stated I owed to concerning a tractor ( truck ) lease from XXXX XXXX XXXX XXXX. In the email the legal threat I bring into question I will quote " In order to avoid further collection activity, this matter must be resolved on an expedient basis. '' I take this as a means of destroying or defaming my namesake, or the namesake of my business ( XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX. Now I will begin with the authentic details of this debt. 1. Does the party have all wet ink signatures of any contracts or documents pertaining to this debt? 2. Why did the party not submit a letterhead dated formal writing about this debt? 3. What is the actual amount owed and where is the proof of the amount owed? The representative of Commercial Collection Corp of NY, a XXXX XXXX sent an email with details that could have been intercepted by any party.
Consumer complaint received 2017-08-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (MO)

Contacted a family member and discussed private information. Further, upon questioning, provided a reason of " you must have called us from that number before ''. This is 1. A privacy violation and 2. Not a valid reason even if the latter statement is true.
Consumer complaint received 2022-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I submitted an application and recently received a decision letter which did not give much explanation as to what income they are considering the letter also states that i have an appeal time of XXXX days but yet they have my property set for auction while i am on the appeal process. Their letter is contradicting it states no foreclosure will be held but yet they never placed it on hold. I am suffering from anxiety and paranoid living in fear that I might end up in the streets. I've submitted an appeal and I also need the calculations that they are using to determine my eligibility which they have failed to provide me with. All I see is bad faith on there end. My income can definitely support my payment I make more than enough I can afford my mortgage. I feel that they are just targeting Hispanics and force them to loose our homes.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

I noticed some unknown hard inquiries on my account from the source : XXXX XXXX on the dates : XX/XX/ XX/XX/XXXX XX/XX/ XX/XX/ I called the company numerous times and they constantly told me I needed to call XXXX  and XXXX  says I need them to handle the matter. The company is giving me the run around and I no longer can deal with the stress of no one trying to solve my problem.
Consumer complaint received 2018-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MD)

I have paid all open medical claims, this collection company is practicing extremely inappropriate tactics. I am now seeing open balances, and inquiries on my credit. I had paid this, left numerous messages, and spoken to various reps after extremely long wait times and language barriers. You have now impacted my credit, and have failed to uphold yourselves as any sort of legitimate business in my opinion.
Consumer complaint received 2022-10-06
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. (NJ)

Hello, My name is XXXX XXXX. I noticed Thursday XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas in my life. See, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A driver under the influence rammed into my girlfriends vehicle. Neither one of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reached out to the companies and they have done nothing at all to help me! I reported the theft of my identity to the federal trade commission and there's a copy enclosed.
Consumer complaint received 2022-10-06
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. (MD)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX, Account # 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. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

I opened an American express platinum card due to fees being exempt for military. After I applied, I was charged XXXX like everyone else and they said I was not in the XXXX system. I have spent multiple hours on the phone, send documents to prove I have been on XXXX XXXX for a long time. They wouldn't take the fee off. A supervisor told me that they see I am XXXX XXXX but will not waive the fee. Card was opened in XXXX and they have waived every year except the initial. I am at my witts end trying to resolve this. Please help. I'm still on XXXX XXXX.
Consumer complaint received 2021-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1. credit inquires This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where you organization has made inquiries into my credit history, to have you illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquires removed. 

2. credit report The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2022-10-06
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. (GA)

In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 



15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person who knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (PA)

In XX/XX/2020, I filed a dispute with Synchrony Bank regarding my XXXX XXXX account. I had made three payments on the account, each in the amount of {$88.00}, on XX/XX/2020, XX/XX/2020, and XX/XX/2020. 

The essence of my dispute was simple. XXXX XXXX literally went out of business. They closed their doors. I was never, ever, ever going to receive the furniture I had ordered. I wanted the three payments towards the furniture returned to me. 

Synchrony responded with a form letter on XX/XX/2020, that they would investigate and resolve my dispute within 60 days. As I understand it, federal law requires their response within 90 days. 

To date I have not received any further resolution of my dispute with Synchrony. They did, however, literally report my account as delinquent to the credit agencies on XX/XX/2020, even though the purchase was in dispute. It is my understanding that this too runs counter to federal law. 

I have now called Synchrony on three consecutive days only to be transferred from one department to another. Most recently, on XX/XX/2020, I was told that I would have to file yet another dispute with Synchrony for them to attempt to resolve my situation. 

Thank you in advance for any assistance you can provide.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX