davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Through this portal I have filed complaints against Equifax, XXXX, & XXXX. The specifics of the complaint has been provided to several times. They have and are currently displaying blatant disregard for the " Fair Credit Reporting Act '' known as the FCRA. I mailed disputes ( XX/XX/2018 ) which all three agencies failed to respond to in timely fashion. Not only have they failed to respond but they continue to display malicious intent by contacting for instance a creditor and claim fraud on my behalf when I merely requested they investigate a late. 
Specifically the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This behavior flys in face of the intent of the FCRA and should be met with the most severe scrutiny. These agencies use a great deal of misdirection to cause confusion and hopelessness. Please investigate my claims ...
Consumer complaint received 2021-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Hello, my identity was stolen and as a result their has been several accounts opened in my name as well as attempts to apply for credit. The accounts noticed thus far are the following : XXXX XXXX cards with account numbers ending in XXXX and XXXX as well as an inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. I have been in touch with the companies to let them know of the identity theft. I have also filed a police report in my county. I am simply asking that all accounts be closed and permanently removed from my credit files.
Consumer complaint received 2021-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-03-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (OK)

I have tried to pay off my mortgage 3 times since XXXX. I have requested and received 3 payoff authorization forms and wired the amount to the mortgage companies bank only to have additional charges show up on my account. After the latest one last week my account still shows a balance of {$38.00} dollars. I have called numerous times beginning XX/XX/12 and have been told they were going to correct it but nothing has changed. I have spoken to their escalation department and filed a report with the XXXX XXXX XXXX.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (GA)

I feel that someone in the Federal Government is providing inaccurate information on my reports. I have three credit cards that I pay on monthly, yet NONE of these accounts are being reported. 
There is a negative report that should have been removed long ago, yet it is still being reported. 
Whenever I try to access my report and initiate a dispute, the web page tells me that the site is experiencing technical errors. 

I feel there is suspicious activity on the reports, and it is very strange that inaccurate information continues to be reported. 

I need help, please, to correct the information.
Consumer complaint received 2021-02-27
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. (TX)

I AM A VICTIM OF IDENTITY THEFT!! I am in the home buying process and these fraudulent accounts are causing my family and myself a lot of emotional distress. I've been trying to buy a home and I am being impacted by these fraudulent accounts. 
There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character.
Consumer complaint received 2023-03-10
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: CITIZENS FINANCIAL GROUP, INC. (TX)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I had an open account with XXXX and they are incorrectly reporting a missing payment from XX/XX/2019 when there was none. I called them to ask for an extension since my identity was stolen and said it would not report to the bureaus as late or missed. They said one thing and did another. This is is hurting my credit in a negative way and needs to be fixed asap. 

I will be including my police report as well for them to see. The rep on the phone was very rude and did not want to hear anything I said and hung up on me. This is no way to talk to a client.
Consumer complaint received 2016-03-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NV)

I received a letter in the mail stating I owe {$1800.00} to XXXX XXXX and/or Convergent Outsourcing, with the original creditor being XXXX. I have NEVER had any account with XXXX, let alone even knew such a company existed. This is a completely fraudulent collection done by a company in plenty of legal hot water currently. Maybe they are fishing for 'free ' money from unsuspecting consumers by mailing out fraudulent collection notices to people. I demand both XXXX XXXX and Convergent Outsourcing to cease and desist with this fraudulent collection, or I WILL seek legal representation. A collection agency can not just send out these letters claiming people owe an exorbitant amount of money to them without any legitimacy and hoping uninformed people will just pay to protect their credit!!
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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2023-01-31
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. (NJ)

XXXX accordance with the fair credit reporting act convergent, XXXX XXXX XXXX, XXXX XXXX XXXX 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 2022-11-19
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. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. 
15 USC section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2.8 It also States a consumer reporting agency can not Furnish a account without my Is written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account Under open in consumer Plan as late payment for any purpose.
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX filed a lawsuit against me in XX/XX/XXXX in small claims court on behalf of Bank of America for a credit card that was charged off on XX/XX/XXXX for {$3100.00}. 

I am currently a XXXX XXXX barely making ends meet utilizing my student loans and financial aid. The circumstances which led to the default of the credit card was that I was furloughed from my part-time job when the pandemic hit, I haven't worked since then, I contracted XXXX, and lost my father tragically -- all within the past 12 months. Additionally, I am taking medication for my XXXX and XXXX, while trying to remain enrolled in school to keep my financial aid. 

I have made several good faith attempts to negotiate a settlement offer with XXXX XXXX but they are refusing to accept my offer of {$1300.00}. When trying to speak with the XXXX, I felt belittled and threatened by him. He spoke to me in a condescending manner suggesting that I should go find a job like everyone else so I can pay this balance and then threatened me that they will see me in court soon if I can't pay the amount they are demanding.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

I HAVE SENT LETTERS AND CALLED XXXX, XXXX AND EQUIFAX TO REMOVE ALL ADDRESSES IT HAS BEEN OVER 60 DAYS AND THEY JUST KEEP SENDING ME CREDIT REPORTS. I NEED THEM TO REMOVE THE OLD ADDRESSES.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have reached out and filed disputes with XXXX, XXXX and Experian about reporting inaccurate info on my credit report and the only thing they have done was updated I am not sure of the dates but most recent was XXXX of XXXX and it came back as not removed or deleted but updated. I have asked these credit bureaus to validate the accounts first and since then I have not received any updates verifying these accounts. I have also called each credit reporting agencies to update personal information and disputed inquries that I have not consent any company to check my credit and there has been no change since last year XXXX.
Consumer complaint received 2019-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My problem is with Select Portfolio Servicing , inc . 

I received a letter dated XX/XX/XXXX stating that they would not let me assume the mortgage of my late mother and they have rejected the modification request. I did not request a modification. I requested on XX/XX/XXXXa Repayment Plan. The XXXX XXXX XXXX XXXX XXXX also faxed them my request for a Repayment Plan. I had previously submitted all paperwork showing that my husband and I earn more than enough to pay a Repayment Plan. They never addressed the request for the Repayment Plan. I was told on the phone today -- at XXXX -- by one of their representatives ( and they have a recording of the telephone conversation ) whereby she stated that if the Investor -- which I understand is XXXX Bank -- does not want to negotiate with you -- no matter what you request -- they would not okay it. 

They have not stated this to me in writing. They just asked me to send the same paperwork over and over again. The letter stated that SPS is committed to home retention and there are other options available. 

They are giving me the run-around, and I have never heard of a bank that rejected a repayment plan. My late mother left her home to me. My name is on the deed of the home and her name is on the mortgage of the home. She passed away in XXXX of XXXX. I have been trying to resolve this ever since to no avail. 

SPS ( Select Portfolio Servicing ) are using deceitful means to try to take the home from me. 

Please help me. 

Thank you.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CMRE Financial Services, Inc. (CA)

I went to XXXX XXXX XXXX for a medical problem on XXXX XXXX. I provided my medical insurance card. Per my insurance company XXXX XXXX XXXX, they received a bill from the hospital and XXXX but they did not receive a bill from the attending physician. They sent this to collection CMRE. It's showing on my credit report. If the doctor would have timely submitted the bill the insurance company would have paid it. Doctor/provided failed to submit a bill to insurance company. I never received a bill from either the doctor or collection agency. I am requesting for this derogatory credit report to be deleted from my credit report. I have disputed with credit bureaus and company and I never received any validation and documentation of this bill. The insurance company told me that the doctor/provider needed to have timely billed them but they never billed. Four years later this came up on my credit report which is past the billing allowable time. I have tried to resolve this problem with the three reporting agencies and nothing has been done.
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MI)

Synchrony bank has been harassing me with phone calls and letters since XX/XX/2018 about credit card debts that are not mine. I have explained to them that I am a victim of identity theft and never had any accounts with their company. I have sent in the documents that they asked me to fill out as well as my police report filed with the Wyoming police department. I have also been disputing fraudulent information with this company and other companies about fraud accounts. I asked the company not to call my home but they continue to do so as well as sending threatening mail.
Consumer complaint received 2022-11-19
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: CAPITAL ONE FINANCIAL CORPORATION (AK)

On XX/XX/2022 I was at a Kohls in XXXX XXXX, the associate helping me was XXXX. I ran my already existing credit card with the company and she said it wasnt working and it could be the card. She could look me up by my SSN ( which has been done before ) and see if I could run my card virtually. I gave her my information and then she let me know I was denied for a new credit card application. I did not authorize this at all and again thought she was looking up my EXISTING credit card I physically had in my hand. I left the store buying nothing because of this.t I then call Kohls and they tell me Im now under investigation from their company for Fraud and would not resolve the issue because she tried to apply me for a new card and tried to ring me up 3 times against my card that they froze because of this. 


They refused to help me with the unauthorized pull and treated me like I was a criminal scamming them. 

I even got ahold of their support team and they put me on hold for 45 minutes for a supervisor who said I didnt respond in enough time and hung up on me.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail.
Consumer complaint received 2018-02-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (PA)

I have tried to ask the debt collector to stop calling me and they continue to call multiple times. They have now started calling my parents phone numbers which I have no idea how they even gotten their phone numbers. Yes I know I owe a debt but calling me multiple times a day is not going to resolve the issue, it actually frustrates me even more. Today alone they have called twice, yesterday three times, Friday 3 times, and Thursday 3 times, and so on. This is out of hand and has been going on for months.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (MI)

Charge off of account occurred following and in relation to Bankruptcy filed XX/XX/XXXX and granted XX/XX/XXXX. 

Account is closed ; however monthly reports are still being submitted as new information. On a monthly basis, the same charge off appears as a " New Civil Action '' on XXXX  report when nothing has happened on account since XX/XX/XXXX. 

Notes on XXXX report indicates a high balance of over {$1700.00} for current month when account is closed and no money is owed. Elsewhere the report shows a balance of XXXX  ; however, the report of a current high balance suggests that the account is open when it is not. 

I contacted company in late XX/XX/XXXX asking for resolution of the issue yet monthly reports of incorrect information are still occurring.
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX