davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-10
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: EQUIFAX, INC. (CA)

I received an update from a credit monitoring application stating my file was updated on XX/XX/20. When checked it showed a hard inquiry from XXXX. I do not have any business with or give authorization to XXXX XXXX to obtain my credit report. I filed a dispute with equifax on XX/XX/20. On XX/XX/20 I received an email stating my dispute was closed on XX/XX/20 and Equifax somehow determined the inquiry was factual and would remain on my report. How can it be factual when I am reporting i gave no authorization for this company to obtain my report?
Consumer complaint received 2024-03-01
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. (TX)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX, Name : XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2020-07-10
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. (CA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank-owned XXXX XXXX XXXX card has been engaging in shady, invasive, illegal business practices that have helped to damage my credit recently. I am seeking for this account to be removed from my credit reports and for the debt to be wiped from their system, to not be owed, due to the damages. Despite my already owning the card, they periodically did soft credit checks into my account to check for credit worthiness -- and penalized me for any negativity. This is UNHEARD of! No other company does this. It is invasive and has to be illegal. In XX/XX/2020, when they did their first check, what alerted me FIRST was that my credit limit on the card was lowered after I checked the app to remind myself of the monthly payment amount. It hurt my credit when they did this because it caused my credit usage to increase a lot more! I called about this and was told by a rep that I would be getting a letter in the mail -- note, AFTER the fact. Their second check was several days ago, which I also was in no way expecting. I happened to get alerts from my credit monitors that there was a closed account on my credit reports. XXXX XXXX XXXX/Synchrony decided to close my account after ridiculously checking for creditworthiness again, as if I were applying for credit or an increase. This is absolutely insane -- and it harmed my credit AGAIN. They have NO right to tell me whether or not I should KEEP a credit account when I have already applied, been accepted, and MADE ALL OF MY PAYMENTS ON TIME. I called, and a rep told me that I would still be required to make payments despite the account being closed. After this move, I demand that this now CLOSED account be removed from my credit reports and they update the balance to {$0.00} OR if it remains on my credit reports, they yet update the balance to {$0.00} in all reports and in their system. It is NOT RIGHT for me to owe them another dime after they closed my account after having excellent payment history. Very nonsensical! I look forward to one of these resolutions being taken care of IMMEDIATELY.
Consumer complaint received 2020-11-28
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. (TX)

I have sent XX/XX/XXXX and TransUnion requests about this collection being reported to see if this is even an actual true debt I owe, neither TransUnion nor XX/XX/XXXXhave sent me aythig to substantiate this debt? How can they just make a claim suggesting that I owe a debt but not provide me any proof of this debt? If that is how credit reporting goes, then ANYONE can just send a bill, claim that you owe it and then damage your credit until you pay them? That sounds a lot like fraud to me and the rest of the world? XX/XX/XXXX has removed this account from my report because they were not able to substantiate this account, so I am curious how TransUnion is able to? Additionally, TransUnion is reporting the Date of Last Activity as of XX/XX/2020, making this account appear like a new account, by TWO YEARS! Isnt it a big violation to re-age an account? Isnt that a suable offense? Especially since I have already shown TransUnion their errors and they just updated it to make it a worse impact on my credit? It almost seems intentional. Again, tht seems fraudulent. Can you recommend how I go forward with litigation because this has been injuring my credit and stoppong me from being able to obtain credit.
Consumer complaint received 2021-04-01
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : CHAPTER XXXX BANKRUPTCY-XXXX CHAPTER XXXX BANKRUPTCY-XXXX  CHAPTER XXXX BANKRUPTCYXXXX
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DELMAR FINANCIAL COMPANY (FL)

Have been in Process for more than 90 days. The Underwriting is piece by piece. The initial Loan Processor got fired after 60 days of Processing. She scheduled my closing 2 times and both times I did not close!! I am a XXXX employee with employment in the same field for more than 8 years. Have XXXX in liquid assets verified. Would not recommend this company to anyone. Unless you want a major headache and a waste of the money for the appraisal!!!
Consumer complaint received 2022-03-29
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: Experian Information Solutions Inc. (CA)

Yesterday I was going to re-finance my home mortgage with my current lender and then after they ran my credit they notified me how how interest rates were up ( did not tell me before ) so I opted out of refinancing at this time. Then today I started receiving ridiculous amounts of calls on my cell phone and work phone from companies asking if I wanted to refinance with them! I'm talking over XXXX calls before noon. I started answering and yelling at the companies and someone told me Experian gave them my information! I never authorized this!!! I have tried reaching out to Experian and can not get a hold of a real person and have not received a reply back from my email to them. I need this to stop now!!
Consumer complaint received 2020-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

I believe Paypal is scamming me, and from Internet research I have witnessed numerous complaints from others about being scammed by this company. I have {$540.00} in donations at Paypal for donations to help the XXXX XXXX XXXX XXXX. For two weeks, I have been unable to acquire these funds. When I call Customer Service, I listen to recordings for five minutes ; the phone calls ends each time with " We are unable to assist you at this time. '' I've been communicating with Customer Service agents for two weeks. On every occasion, I have been directed to a phantom link. When I try to respond and say " this is a phantom link, '' I realize that they have terminated my chat session and I can no longer respond. I received an email from XXXX, and receive an additional phantom link. When I write back, I'm told that I need to go to the same Customer Service chat that has given me several phantom links. On line, the website refuses to accept my bank account despite all data being correct. The website further rejects my new phone, blocking my need to receive a code to enter. I believe I am subject to a scam. I have never experienced anything like this, and two weeks of my life are now wasted on this fraudulent company.
Consumer complaint received 2023-01-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (CA)

MRS BRO LLC has been harassing me for months attempting to collect an alleged debt that I do not owe to them. I have no written signed contract with this company or any contractual ties with this company. They have been mailing correspondences to my domicile attempting to collect an alleged debt, in addition to continually calling my phone multiple times a day at work. I have stated numerous times that I do not owe them for any alleged debt and that I do not even know how they received my information. I never gave any written consent to MRS BPO to have any of my information nor given them any written consent to furnish any information on my credit report. They have illegally obtained my personal information and are illegally attempting to collect an alleged debt. They have violated numerous of my federal consumer protection rights.
Consumer complaint received 2021-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

I purchased a single-family home from XXXX and closed on XX/XX/2021. I made my first two mortgage payments to XXXXXXXX XXXX on XX/XX/2021 and XX/XX/2021, and then received a notice in the mail that the loan is being sold to Lakeview Loan Servicing, as of XX/XX/2021. I called Lakeview to see if I am able to make a payment directly to them, in lieu of XXXXXXXX XXXX, and the associate I spoke to said yes, but wait 3 business days to make sure the information from XXXX XXXX  pulls over correctly. I made my mortgage payments to Lakeview Loan Servicing on XX/XX/2021, XX/XX/2021, and am about to make my third loan payment to Lakeview Loan Servicing today XXXX XX/XX/2021 XXXX. However, I want to refinance my loan and take advantage of lowering my interest rate since I lowered by XXXX by paying off credit and increasing my credit score. During the process of getting ready to refinance, I realized I had never received a statement from Lakeview Loan Servicing, despite making two payments. I checked their online website and their " Document Center '' does not have any statements available to view. Therefore, I called their customer care center, and I have been calling for the last three and a half weeks, talking to various supervisors, trying to get a statement. I should have had two by now, for XXXX and XXXX. Every time I speak to a supervisor, I am told they are working on obtaining a statement with their vendor and am told to give them more time and to call back in 48 hours OR I am told a statement will be emailed to me by the end of the day ( spoiler alert : I have never received a statement ). I have asked for the name of the vendor and they will not supply it to me. I have asked to speak to someone above a supervisor and I have been told there's no one else to talk to. I have asked what they're doing to get me a statement, and I have been told there's a XXXX request with the vendor to provide a statement and I still have not received a statement. I have been calling almost daily since approximately XX/XX/2021, and I still do not have a paper statement reflecting my loan information. This is a major compliance issue and, as a consumer, my rights are being violated per XXXX.
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (NY)

I was approved for an Aspire credit card with a {$500.00} limit. Im trying to rebuild my credit and basically just got the card to use in emergency and increase my available credit. I paid {$99.00} annual fee the day I got the card. Card has a XXXX  balance. I attempted to use the card today for the first time at instacart to order groceries. Card was declined several times. I completed purchase with my XXXX  XXXX card and called customer service. I was told their system deemed instacart as unsafe and will not allow the purchase. I said so if im out and have car trouble and you don't like where im using the card for help I have to worry the card will be declined. She replied yes thats correct. I emailed them to cancel my account and I want the {$99.00} fee refunded. I havent even had the card 1 month. This company is predatory and uses people trying to build credit
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I filed a complaint on XX/XX/XXXX against National Credit Systems for trying to collect on a debt that I do not owe. The collection company is alleging that I owe a debt that they are collecting on. I have disputed it several times but they keep verifying it. I requested debt validation and they sent me a statement. A statement is not debt validation. I requested a signed contract or legal document with my signature stating that I agree to pay their company.
When they responded to my previous dispute, they stated that the property manager emailed them and said that I was an applicant and that I placed a stop payment on the checks that I allegedly paid with. I believe that information is false. Their response also " respectfully requests the XXXX XXXX sends them additional information so that they can do further research ''. I know no one by that name and believe that their response was a blanket response to their complaints.
On XX/XX/XXXX at XXXX XXXX, I went to the said property and spoke with XXXX. She searched their system and could not find a XXXX XXXX as an applicant or a resident. Her number is XXXX and fax # XXXX.
Consumer complaint received 2021-05-23
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: Resurgent Capital Services L.P. (LA)

On all 3 of my credit reports, I have 2 different Debt buyers reporting I have 4 different loans that went into collection.

I can prove to you that the debt buyer LVNV Funding LLC has 2 loans on my credit report, but its the same loan, they just put another account number and a higher debt this loan. ( account ). Every time I call they don't won't just the past due bill, they want to make a payment plan, that I simply can't afford. They will not work nothing out with me nor will they take 1 of the same accounts off my credit.

I've complained to all 3 Major credit bureaus with no luck.

I can also prove that another debt buyer has 2 of the same accounts on my credit report. These are old debts, I have no excuse, but they or doing me wrong.
Consumer complaint received 2021-05-23
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: SYNCHRONY FINANCIAL (LA)

On all 3 of my credit reports, I have 2 different Debt buyers reporting I have 4 different loans that went into collection. 
I can prove to you that the debt buyer XXXX XXXX XXXX has 2 loans on my credit report, but its the same loan, they just put another account number and a higher debt this loan. ( account ). Every time I call they don't won't just the past due bill, they want to make a payment plan, that I simply can't afford. They will not work nothing out with me nor will they take 1 of the same accounts off my credit.

I've complained to all 3 Major credit bureaus with no luck.

I can also prove that another debt buyer has 2 of the same accounts on my credit report. These are old debts, I have no excuse, but they or doing me wrong.
Consumer complaint received 2022-08-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CT)

I have been in contact with XXXX XXXX XXXX along with Equifax regarding XXXX account from the XXXX XXXX XXXX with the open date of XXXX/XXXX/XXXX and a close date of XXXX/XXXX/XXXX and the other with a opening date of XXXX/XXXX/XXXX, the first account of XXXX/XXXX/XXXX I never lived at the address and the other XXXX/XXXX/XXXX should is 8 years old and is showing current which is incorrect. I only have one current bill with XXXX XXXX and these XXXX items should be deleted off my credit file like I was advised they would be by XXXX XXXX. This is incorrect information affecting my credit file