davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: EQUIFAX, INC. (GA)

Filing a dispute with Debt Collector : XXXX XXXX Acct # XXXX According to the FDCPA Laws I was Charge an illegal Collection fee. I was threatened by creditor. Creditor misrepresented the nature of debt, including the amount owed. My family was harassed in other states by creditors failing to identify themselves. Wages were garnished for incorrect amount.
Consumer complaint received 2022-08-11
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. (KY)

In accordance with the Fair Credit Reporting Act -- -- XXXX  XXXX Bankruptcy acct # XXXX XXXX XXXX Bankruptcy acct # XXXX ; XXXX XXXX acct # XXXX ; XXXX XXXX acct # XXXX ; XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX ( This account is not mine ) XXXX XXXX XXXX  acct XXXX XXXX Have violated my rights. 15 U.S. Code 1681 Section 602 A states I have a right to privacy ; 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account information without my written instructions
Consumer complaint received 2021-07-09
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: Resurgent Capital Services L.P. (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Credit Service, Inc. (PA)

I recently have been receiving phone calls from a collection agency called XXXX XXXX XXXX stating that they purchased my debt for a credit card from another agency. 

I haven't received any letters or notifications on any attempt to collect this debit. In addition the person that I spoke to a XXXX XXXX stated that they have been mailing the letters/notices to me for the last 8 years to me but the address they had on file was incorrect as I have not resided at the said address for 8 years! 

In addition Mr. XXXX threatened me and stated that they were going to take me to court and that they were going to garnish my paycheck immediately if I did not give him by banking information to start making payments. 

I checked my credit report and did not find anything that is in collection or past due. I have also checked into the company and have seen several statements made that they are scamming people into paying for debts that are either several years old or that they do not even owe!
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I have a HAMP Modification without any equity since the XXXX crises, In XX/XX/XXXX I spoke with two representatives, a XXXX XXXX @ XXXX regarding a FHA fixed rate without adjustable which was disapproved and I spoke to a XXXX XXXX, @ XXXX advised an in house modification which also was disapproved. My statement of XX/XX/XXXX ( I received XX/XX/XXXX ) went up regarding a recast but when it stated, " Your monthly payment includes... and other escrow expenses. '' I asked, " What are these other escrow itemized expenses, and Disbursement insurance and why has it changed from XXXX to XXXX? '' As usual no returned call. In XXXX I just realized that my monthly bill was XXXX over, I called the bank as well as Nationstar. I corrected it, but as time went I saw that it continued with XXXX over. I received my statement due for XX/XX/XXXX that my mortgage went up! So I called complaining and was advised of their Pandemic Relief, FORBEARENCE agreement At first I thought it was a good idea, but not. I tried calling but couldn't get through, system kept disconnecting. I called a different number to cancel out, I did speak to different ones and they refuse to change my request. I remind you that they continue to have me under that Forebearance agreement. I want them to lower the HAMP and not any FLEX MODIFICATION. I already have the HAMP Modification
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2021-07-09
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: BARCLAYS BANK DELAWARE (PA)

On XX/XX/21 I was contacted through automated processes by Barclays XXXX Mastercard regarding potential fraud activity on my account. 

On XX/XX/21 at XXXX, I attempted to contact Barclays to resolve the fraud concern. After 5 minutes on hold the line went dead. 

On XX/XX/21 at XXXX, I again attempted to contact Barclays. This time I was connected to a customer service representative. During the discussion the customer service representative was unwilling to provide to me the actual card the fraud related to. I continued to ask if it was the primary or secondary accounts ( two cards are open under the account ). The representative refused to provide this information as well. I then asked to speak with a supervisor but was rebuffed. I continued to ask for a supervisor and after my fifth request I was placed on hold. The representative then returned after several minutes to tell me that no supervisor will speak with me. But that a supervisor will call me back in 24 to 48 hours.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (CA)

As a victim of identity theft, I had no choice but to put on a credit freeze with all three agencies. Now when I need to refinance my home and put on a temporary lift of the freeze Equifax forces a {$10.00} fee for this. Why? What do they need this money for? It 's simply not fair. This is not a service they are providing me! This is protection of my identity so that I can function in commerce despite the awful system these credit reporting agencies perpetuate. I have no choice in this matter. Why must I pay {$10.00} to protect my credit and lift this freeze. This service should be free!! This is yet another unfair burden on the People.
Consumer complaint received 2022-09-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-09
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: AVANTE (GA)

In accordance with the Fair Credit act Avante USA Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-07
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)

I sent a letter to Equifax requesting removal of a fraud alert with copies of documents requested attached. I received a letter back from them dated XX/XX/2019 stating " we are unable to locate a credit file in our database with the identification information provided ''. This was a second request and a second same response from them. I also tried calling them and was told over the phone what documents to send in ( which I had already done ) .I then went online, requested a copy of my credit report, which I printed and did a dispute over having the fraud alert removed. This was done on XX/XX/2019. Today,XXXX I receive an email from them saying the dispute was completed and to click to view the results.It said " the information you provided does not match our records '' .I contacted both XXXX and XXXX and had no problem removing the fraud alert.
Consumer complaint received 2022-09-09
Product: Payday loan, title loan, or personal loan — Payday loan
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. (VA)

There is a XXXX XXXX account number XXXXon my credit report that is still showing on my report that should not be there. It has been over 7 years and they should be dropped off my credit report.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-03-07
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: EQUIFAX, INC. (TX)

Equifax is incorrectly reporting me past due on the XXXX   account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC. (IL)

I have never purchased jewelry in my life. This company is trying to scam me and adversely impacting my credit. You can check my credit history and you will see I have always paid my debts. There was originally two different jewelry companies showing purchases by me, but one removed their claim after I talked to them, however one has not. XXXX XXXX will issue anyone a card in anyones name through a company called XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-13
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/XXXX I decided to dispute numerous Items with the credit bureaus since I found multiple errors on my credit reports. The dispute was sent by certified mail to XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) adn Equifax ( XXXX ). But by today XX/XX/XXXX The companies have still not responded, yet still reporting errors on my credit report.
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (SC)

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right " credit, '' by American Express. I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act, by American Express on XX/XX/2021 via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by American Express ' adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. American Express is now civilly liable to pay me for the damages.
Consumer complaint received 2020-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (KS)

On XX/XX/XXXX I ordered a vacation package at a deeply discounted rate from a company called XXXX XXXX and paid with my debit card. I was told I had until XX/XX/XXXX to reserve the dates and take the vacation. At no time did they say it was a time share and that we'd have to go to their sales meeting once we arrived. Not that it mattered, as this company had no intentions of honoring the vacation package to most consumers, including myself, from what I'm reading based off consumer complaints on the XXXX   website. They have failed to return my emails and when I called the toll free number it directed me to email customer service. 
As soon as I discovered that I was the victim of a scam, like so many other consumers that have dealt with this company last spring, I notified my bank immediately that I wanted to dispute the charge on my account. 
The bank credited my account but then found that I had authorized the charges and denied my dispute claim. They took all the money I had in my bank account to cover the cost of the charge, again. 
So now I'm getting charged for a vacation that my family will never get to go on and my bank has taken all the money we had available to live on this week. I feel I have the right to dispute this charge and that I shouldn't have to pay for a service that XXXX  XXXX  isn't going to honor. I notified the bank as soon as I realized that there was a problem. I realize it was over the 60 day reporting period but I had no idea XXXX  XXXX  wasn't a reputable company and that I wasn't the first consumer going through this with the services they offered. 
I told my bank that although I authorized the charge it was still fraudulent as I haven't received the vacation that I paid for and I never will but apparently I will have to pay for it and now also have zero cash to get to work or buy groceries due to Chase denying my dispute claim and taking all the money available in my checking account.
Consumer complaint received 2019-03-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NC)

In XXXX, I co-signed for a student loan for my son through XXXX XXXX XXXX XXXX, and began to make monthly payments on the loan. I also acquired loans for the years XXXX and XXXX from XXXX XXXX XXXX XXXX with the same terms that repayment would commence within 60 days. Each loan had a 177 payments maturity terms. The Sallie Mae Corporation acquired the loan portfolio from XXXX XXXX XXXX XXXX some time after XXXX, and I began to send the monthly payments to Sallie Mae instead of XXXX XXXX XXXX XXXX. I continued to send the payments to Sallie Mae ( now Navient ) through XXXX. My son graduated from college in XXXX. At that time, ha assumed the loan payments, but was sporadic in making the payments. Because I was a co-signer, this was affecting my credit, so in XXXX, I decided to resume payment of the loans myself. In XXXX, while applying for a home loan, I discovered that apparently, Sallie Mae had given me " zero '' credit for my payments to XXXX XXXX XXXX XXXX. This was determined by the balances stated on Residential Loan application, when comparing the remaining months of the loans and the loan balances. I have attempted to reconcile this situation with Navient for years with no success.
Consumer complaint received 2022-09-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Transform Credit Inc. (CA)

I reviewed my credit reports and saw this account showing i owed them {$200.00} for a loan I didn't take out in XX/XX/2021. It showed payments of {$5.00} was made in store in Michigan, I live in California and I never opened an account with them. I disputed the information with all three credit agencie, XXXX and XXXX took them off my report, XXXX did not. I need for the company to be taken off my report. This is not my account, someone used my information to take out a loan in Michigan, please help. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service Company, INC (CA)

I checked my credit report on XXXX XXXX XXXX and it showed I had a new collection on there from credit services in XXXX XXXX. 

I contacted credit services in stated to them that I have never received any communication regarding the Debt. They said that because they are not able to legally collect in XXXX  that they sent the information to my old address in XXXX  and it was returned. I had just paid off 5 other accounts with them and they had my updated address on file and new that I did not live at the address they sent the letter to. 


They are using a loophole to try to collect a debt in a state that they are not authorized to do so. 

This company needs to be looked into for several other violations as well.
Consumer complaint received 2022-03-31
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. (LA)

On XX/XX/XXXX, I mailed a certified letter to XXXX regarding inaccurate reporting of late payments when my loan was in forbearance. There was no correspondence received from XXXX in return. They reported that my account was 90 days late in XX/XX/XXXX after reporting it current in XX/XX/XXXX. It's impossible to be 90 days late in a span of 30 days. I responded to their email requesting a forbearance on XX/XX/XXXX. A request for forbearance covers the span of 3 months prior and XXXX in advance. The request for forbearance was approved on XX/XX/XXXX. The information reported is currently inactive and should be updated immediately.
Consumer complaint received 2019-03-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

A student loan with XXXX was closed XX/XX/XXXX. The last payment on this loan was XX/XX/XXXX. This loan was granted a forbearance, XX/XX/XXXX, for 13 months, until XX/XX/XXXX. However, XXXX closed the account XX/XX/XXXX, with any reason. They have been unwilling to provided documentation after I requested it. They never stated why the account was closed while the loan was in forebearance.
Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (TN)

XXXX XXXX texted my spouse, he called her and she informed him of a debt we are unaware of and is not on his credit report. He asked her to call me his spouse. She called me and in course of our conversation she stated she pulled all " our '' financial records. THis debt incurred in XX/XX/XXXX before I even knew my spouse to whom I married in XX/XX/XXXX. She then mentioned that I had a deed for a house in my name, asked about why XXXX XXXX was on the deed but removed and stated and " you dint have a mortgage. '' When I replied my house was purchased by me soley in XX/XX/XXXX she stated that did not matter because Tn was a non spousal state insinuating that they would come after my home if my Spouse did not pay the debt that is not even on his credit report. We received no written communication with rights to contest debt and no proof of debt. 

They have called myself and my spouse twice this week in the matter of 4 days after I informed her my spouses dad had died on Monday. Today XX/XX/XXXX she called my spouse and drilled him about IRA, 401K and  whole life insurance that he could possibly take funds from to pay a bill we have no proof is even his or owed despite the fact that she knew my spouses dad dies three days ago. 

When my spouse stated he was discussing this with our attorney she pushed for attorneys information and why was he he talking to attorney about bankruptcy.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have tried since XX/XX/2021 to close out my late father 's Bank of America checking account.. No results. Emailed, mailed, and faxed estate services with scanned notarized documents and the notice to close account. 

Went to my local branch to get a rep to sort this out in mid XX/XX/2021 Every time I call estate services, I am on hold for over an hour and no one picks up. Tried using the online BOA chat app to no avail. 
Tweeted to BOA, no reply.