davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

On XX/XX/XXXX, I went to see my XXXX XXXX, XXXX XXXX, a XXXX XXXX. It was not billed that way. It came through as XXXX XXXX, who is not my doctor. While this has been explained to me as merely a " coding '' anomaly, I do not pay people I do not know. Eventually, this item was removed from my statement. I believed in error, that they realized their mistake and removed it. This was not the case. Instead, it was handed over to Credit Control Corp here in XXXX XXXX, VA. They claim they mailed me a letter in a plain white envelope to notify my of their intent to collect. I did not receive this letter. I doubt it exists. I only found out about this collection when it appeared on my credit. I called, and told them I don't have a problem paying the bill if it's legitimate, but won't pay it if it's not. I asked if they would remove it if it were paid, they said no. I have since called XXXX and figured out this was a bill for me, even though none of the presented facts line up. I'm willing to pay, in fact, I have dealt with Credit Control in the past. Despite my efforts, some bills will slip by me. There were a few years where I was not well and had many, many bills. 

The heart of my complaint is threefold. 
First, failure to notify. I had no ability to dispute a debt. 
Second, I make regular payments to XXXX and my payments say XXXX XXXX XXXX on them. These payments were set-up for previous debts, but I would think that payment on an open account would prevent collection. 
Third, they are yet to provide me with validity of the debt or even offer it. The first person I talked with stated that previous statements from XXXX would be my notification. 

I only seek to have this removed from my credit. It appears, now that I have researched it, that this is my debt. I'll pay it. 

The timeline so far is ... 
Service on XX/XX/XXXX Disappeared from Statement in XXXX Collection noted on my account XX/XX/XXXX. 
Called Credit Control XX/XX/XXXX. 
Called Credit Control XX/XX/XXXX. 
Called XXXX/XXXX XXXX XX/XX/XXXX. 
Wrote this complaint XX/XX/XXXX. 

Please help. It's ridiculous to go from XXXX to collection without so much as a conversation. 

Thank you, XXXX XXXX.
Consumer complaint received 2020-11-19
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: BARCLAYS BANK DELAWARE (NY)

I never had such an experience in my life. I never had a timeshare I was threatened to pay or my credit would be ruined. I dont own a timeshare. Can someone just ruin your life and make you pay for it? Please delete now. 

Barclay. I have no idea where this came come I was told it would be deleted. Its still on my report. Its not mines XXXX XXXX  XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : This account is not mine I never had a time share this is illegal. Please delete this now. I dont understand how this happened. Is it because I am XXXX? 
BARCLAYS BANK DELAWARE, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : This account is not mine i never had this card I was told it was a authorized user. You
Consumer complaint received 2019-10-29
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 (MD)

We are a small business we have a business checking account with Bank of America with have 4 debit cards link to our business account, one if the debit card ending in XXXX was used to make a purchase of {$1400.00} with a company in another state this transaction is a fraud, we never made the purchase or received any goods from that company. When we first contacted the bank the transaction was still processing mode we advise our bank it was not us. The fund were still in out account and we told them to not honor the sale. They said the will open a case up to this date we still have not received credit for this amount and the bank closed the case indicating that it was authorized. 
We call back to the bank to once again open the case cause we never authorized or even have any contact with such company. They re-open the case again and few weeks later they closed it again. We call them to elaborate how they determined it was authorized we ask to know where this company supposedly send such purchase items or who they said authorized sell or at least to show us any proof of the sales. They refuse. 
Up to this date we are still waiting for an investigation report of this claim. We even try calling the company that shows In the statement and they said they have no record of such purchase. We have this debit card in our possession it has never left out possession.it has never been reported stolen or lost.
Consumer complaint received 2024-02-29
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. (CT)

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. 

Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX and list of Inquiries. 


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 2019-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY FILE. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LIKE TO HAVE THEM REMOVED
Consumer complaint received 2019-10-29
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: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY FILE. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LIKE TO HAVE THEM REMOVED
Consumer complaint received 2017-10-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Green Trust Cash, LLC (PA)

I originally borrowed money from Greentrust Cash because I was in a pinch - I believe the original amount was {$500.00} - I was aware that it was higher than average interest rate but was led to believe that at least some of the money was going towards the principal - I was also unaware that this type of loan is not legal in Pennsylvania and that the state is suing companies that hide behind the tribal law. I continued to have financial difficulty and in XXXX I still owed {$570.00} - I asked for help with arbitrating a settlement after receiving threatening emails and calls - I received on on XXXX stating they would use all my info to contact me and proceeded to call my place of work and state who they were - they also stated then that my amount was now {$800.00} - I continued to try and have this account negotiated and 9 months later they still have not -
Consumer complaint received 2017-10-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Financial Freedom Mortgage, LLC (MD)

I have never done any business with this company, nor have I sought a mortgage with the company. They repeatedly call me on my cell phone and attempt to solicit my business. I have registered my phone on the federal do not call list and asked the company to stop calling me, but that has not helped. The company will call and ask me if I want to apply for a mortgage, when I say no and hang up, the company calls back immediately and tries again.
Consumer complaint received 2019-10-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (TX)

I have tried talking to the mortgage company and ask for assistance and they will not review a short sale. I can not afford my mortgage because I lost my income and have since gotten another job but I am receiving significantly less then i was before. I need help, and I have a buyer who is willing to purchase the property. I am just asking for them to review so we can get a short sale done and i can avoid foreclosure.
Consumer complaint received 2017-08-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Again XXXX XXXX my complaints are similar for the past years because OCWEN refuses to STEP down and do their part to address the situation. HENCE THE CURRENT LAW SUIT AGAINST OCWEN. Your company continues to enjoy skirting around my issues and responds with the same garbage change changing the date of the letters. Also XXXX XXXX the property and mortgage which I inherited at the time of my Mother 's passing was passed over to me. If you can read the items in the lawsuit, one of them is concerning assisting these homeowners, WHICH OCWEN HAS NOT. THE PURPOSE OF A LOAN MODIFICATION IS TO GET THE HOME CAUGHT UP. You provided me a loan modifications last XX/XX/XXXX which was NOT SIGNED because OCWEN PROCESSES MODIFICATION BASED ON ONLY IMCOME NOT INCOME AND EXPENSES. THIS IS AGAINST THE LAW. Again XXXX XXXX this is going to continue back and forth and I do n't see a resolution in sight because OCWEN just collects money and does not care about the welfare of the home owner. YOU ASKED ME TO REVIEW THE WEBSITE ABOUT THE CURRENT STATUS OF THE LAWSUIT. ALL I SEE IS GARBABGE ABOUT HOW OCWEN CARES ABOUT THEIR HOME OWNERS AND YOU HAVE HELPD LIKE XXXX. THAT 'S SOME PR XXXX IF YOU ASK ME. IF OCWEN CARED ABOUT IT 'S HOME OWNERS AND RESOLVING ISSUE THEIR WOULD N'T BE A LAWSUIT AGAINST YOU FROM THE CFPB. WOULD THERE BE?? THIS COMPLAINT IS ALSO GOING TO YOUR MEDIA RELATIONS DEPARTMENT. SICK SICK SICK OF OCWEN XXXX XXXX. OCWEN NEEDS TO BE SHUT DOWN WITH THE CURRENT LAWSUIT. THAT IS THE ONLY RESOLUTION
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (AR)

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 1USC 1681. 
XXXX XXXX ; XXXX XXXX XXXX XXXX , has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 602 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( 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 1681 s-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 information is inaccurate.
Consumer complaint received 2017-08-08
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: Experian Information Solutions Inc. (TN)

I have disputed the following trade lines with the reporting agency online and via certified mail asking for them to please conduct an investigation as the information being reported in my credit report is in inaccurate and does not belong to me and they still keep reporting it.This derogatory information is preventing me from obtaining a loan which I have pointed out an several occasions. I have also sent certified letters to the company themselves via certified mail and they will not even respond to my requested or provided a signed contract or anything that binds me to the amounts they say that I owe, I do n't understand how the reporting agency can claim that they have validated the debts and conducted an investigation listed below when I can even get the people who are reporting this derogatory invalidated information to respond. 1. XXXX XXXX ( I have no knowledge of this account. ) 2. XXXX XXXX XXXX XXXX XXXX ( I have no knowledge of this account. ) 3. XXXX XXXX ( I have no knowledge of this account. ) 4. XXXX XXXX ( I have no knowledge of this account. ) I have asked over and over and over for you to please remove these items from my report as they are not mine, and my request are ignored or responded that they have been valdated. There is no way under the FDCR and FDCPA guidelines that you have conducted a proper investigation. I keep asking for the method you are using and even those requested are ignored.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

I need to temporarily unfreeze my credit in order to refinance my mortgage. I had no problem doing so with XXXX  and XXXX  using my login and password and pin information for each. 
However, Experian insists that I send them a letter via USPS with all types of identification information, despite the fact that I have my Pin. All of the information provided by Experian on-line claims that if you have your pin, you can easily unfreeze your credit, but both on-line and over the phone ( using their automated system ) I was denied this ability. In both cases, I was required to provide date of birth, social security information and address, in addition to my pin, but was still denied and told to provide the same comprehensive list of documents by USPS. This is ludicrous. Also, there is no way to reach a real person at Experian. So I have exhausted all of my resources and have nowhere else to turn. 
I am at their mercy, through no fault of my own. If I could " fire '' them, I would and just stay with the other 2 companies, but I have no choice in the matter and no recourse. 
The date of these transactions is XXXX XXXX.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

I paid my Chase Amazon credit card in total on XXXX XXXX and they charged me interest XXXX. I called and asked for them to drop the interest charge since the credit card bill was paid in full and I have XXXX credit cards with Chase. 

They refused - how are customers supposed to feel they are financial paid off if the credit card companies continue to bill them interest. I have not used that card since I paid if off
Consumer complaint received 2021-07-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Good morning, I am inquiring on the remaining negative account which are currently impacting the overall state of health of my credit. i is not fair to me that after several attempts at trying to correct the information with the credit bureaus, they have failed me once again. I am not going to hesitate on taking legal action if they do not wash out the negative, inaccurate and incomplete information off of my credit reports. What is the delay in response??? Why hasn't Equifax, XXXX, nor XXXX  resolved the issue with the accounts? the XXXX ( XXXX XXXX XXXX ) collection accounts are still accurately and falsely reporting. The credit bureaus were able to remove all of the other history on my credit report, except for those two accounts. Please help me resolve this issue, I'd greatly appreciate it.
Consumer complaint received 2020-05-18
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. (AR)

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XX/XX/2019 Student loans from XXXX XXXX XXXX XXXX were re-financed with a private lender, XXXX. 
XX/XX/2019 In reviewing my account with XXXX  I noticed a balance for {$180.00}. When I called and inquired about the balance I was told that I owed that amount and that it was 2 months past due. The representative informed me on that call that the balance should have been paid by XXXX, but it was somehow missed. I proceeded to pay the {$180.00} balance in full and now the loan is paid off. 
After the conversation with the Representative ( 2-3 days later ), I received credit alerts and notifications via email stating that my XXXX loan was reported 2 months late. Confused by this, I contacted XXXX again and I asked for a goodwill gesture of removing the late payments from my credit report because the oversight was made by XXXX ( private lender ). XXXX refused to consider removing the late notices. The two late payments dropped my overall credit score and rating by 87 points with all 3 credit bureaus. I take issue with this because ( 1 ) XXXX  failed to contact me by mail or phone to collect or notify me of the late payments which would have given me the opportunity to pay the balance immediately. ( 2 ) The late payment notices didn't show up on my credit report until AFTER my phone calls to XXXX. ( 3 ) XXXX is the responsible party in this incident, but because I've paid the loan off, they can not do anything on their side.
Consumer complaint received 2017-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I HAVE SENT A DISPUTE TO THE COMPANY REQUESTING VALID INFORMATION REGARDING THE AVERRED ACCOUNT. I DID NOT RECEIVE A RESPONSE WITHIN 30 DAY, HOWEVER IT WAS 86 DAYS BEFORE I GOT A RESPONSE. THEN THE INFORMATION THEY HAVE, IS NOT ME, NOT EVEN MY NAME. ALSO THE INFORMATION THEY PROVIDED ME WITH WAS FROM A BILL DATE OF THE SAME MONTH AND YEAR, WHEN MY CREDIT REPORT SHOWS 2 YEARS PRIOR. IT WAS LIKE THEY JUST THREW TOGETHER A ITEMIZED STATEMENT.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

Since year XXXX, and year XXXX XXXX. 

I have made numerous requests with legal documentation provided to have Equifax LLC change and update my legal name on my credit report. The full name that appears is inaccurate.

Equifax LLC has refused to acknowledge and/or make requested change. Equifax LLC credit reporting agency continues to report wrong and inaccurate information about me and has caused loss and difficulty in obtaining credit and mortgage loans because of reported inaccuracies.
Consumer complaint received 2019-10-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I FILED ONLINE DISPUTE THRU TRANS UNION ON XXXX XXXX ( XXXX ) FOR A XXXX ACCOUNT.XXXX PUT THE ACCOUNT ON MY CREDIT REPORT ..I RETURNED THEIR EQUIPMENT AND CELL I I CANCELLED CONTRACT BECAUSE BEFORE ENTERING IT I ASKEDTHEM TO VERIFYTHEY HAD  SERVICE IN AREA I WAS WORKING IN XXXX XXXX , NC AT THE TIME THEY GUARANTEED ME THEY DID. I RECIVED XXXX CELL BUT NO SERVICE IN THAT AREA. THEY OFFERED ME A MAGIC BOX TO INCREASE SIGNAL STILL NO SERVICE. I CANCELLED AND RETURNED BOTH ITEMS.XXXX SAID I CANT AND TRIED TO CHARGE MESTILL FOR BOTH.THEY PROCEDED TO SELL THE CONTRACT AFTER I CONTACTED THEM ABOUT IT TO PA, who when i disputed it with statement removed it from 3 credit bureaus but sold it to sister company, XXXX XXXX XXXX  ( XXXX ), who readded it to my repport. I am requesting they remove this account for {$1000.00}, because they did not validate debt and the XXXX XXXX items {$440.00} item from my credit report also because they preinted same type letterThey ( XXXX  ) also sent me a letter they printed ( forge ) from XXXX XXXX. I have yet to receive a contract or letter with my signatutre saying i owe this debt. When they received my certified signature required letter with a letter they print cause it has same number and code at bottom as their preprinted letter saying i owe debt proving its not from origional creditor ..withwriting { this is communication purposes and not to collect a debt }. 
This paperwork does not have my signature or id recorded and does not validate this debt. i will be pursueing a lawyer if this persists