davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have repeatedly requested an investigation into fraudulent activity on my credit report with Equifax. An onslaught of fraudulent inquiries remain on my credit report and wish for them to be actually investigated and removed. It is illegal to keep these on my report and dragging my score down without any attempts from Equifax to even look into them. All I get are immediate responses of the same " inquiries are a factual record ''. XXXX and XXXX both looked into these inquiries and had them deleted.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

Creditor ( XXXX XXXX ) was disputed two weeks and dispute was completed and report updated as of XXXX/XXXX/16. I was also advised by equifax management on XXXX/XXXX/16 that this information would be show in the correct status, and on XXXX/XXXX/2016 the information was not corrected to show included in chXXXX bk status and listed with other closed accounts on my credit. 

I have attached the now credit report showing this matter in dispute, as this should not be in dispute, the dispute was completed on XXXX/XXXX/16, and then placed back in the same status of ''collection unpaid ''. I have also attached the new credit report status, and the phone conversation between myself and an equifax 's credit management assuring me that this information had been entered correctly along with other applicable debtors that were placed back into an incorrect status. The other attachment is my XXXX showing XXXX XXXX as a creditor that was discharged in the chXXXX bk as of XXXX/XXXX/16 ( discharge order attached )
Consumer complaint received 2016-03-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

Have called place of employment in spite of being told in past no calls to place of employment. 
Called CELL phone, in spite of being informed cell phone is company cell phone. 

Multiple calls to home phone, and with call blocked, will turn around and call multiple back yo back times. 

Have NEVER first received and kind of notification of debt that are trying to collect via mail.
Consumer complaint received 2024-01-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I recently reviewed my credit report and observed inaccuracies related to late payments on my account with XXXX XXXX XXXX. I want to clarify that I have not been late on this account, and I kindly request the immediate removal or correction of these inaccuracies. I believe there might be a misunderstanding or error in the reporting, as I have consistently made timely payments.
Consumer complaint received 2015-10-12
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Armada Corp. (CA)

In 2013, I suffered an emergency room visit while traveling for work out of state. I was seen by XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX Utah. Phone : XXXX. I presented them with my medical insurance and was discharged the same night. I told them I was traveling for work and that my company 's work insurance should pay for the visit. I never heard from them again ( a year later, I moved ). When I ran my credit report in XXXX 2015, there was a medical collection for {$650.00}! They never tried to contact me ( my phone number has n't changed in XXXX years ). They refused to delete the collection from my report after I paid it in full ( no longer worked for the same company ). By then it was with a collector and they refused to re-call the debt. They shared my personal medical information with a debt collector, violating HIPAA and refused to re-call the debt even when I offered to pay in full and even after I explained I had no knowledge of the debt. This collection is reporting on both my XXXX and XXXX reports and I would like it removed due to HIPAA violation and the fact that they did n't disclose it to me prior to sending to collections.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-08-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (OR)

Our mortgage has been transferred again in XXXX 2015 from XXXX XXXX XXXX , XXXX to LoanCare, LLC XXXX XXXX, VA today I called to have the due date changed back to the XXXX of the month. I was told the company does not change due dates. So this means my payment will be reported to the credit bureau as being paid late, and lower our credit rating. The reason I ask for the due date to be changed back to the XXXX is because my husband gets paid once a month and it 's on the first day of the month. We always set up our payments for after the XXXX of the month to avoid being late on payments. It looks better on the credit report and a better credit score for better interest rates on loans. I just can not believe this or any loan service company can put our credit at risk like this. We work hard to have good credit and now LoanCare is going to hurt our good rating as they will not work with us on moving the due date back to the XXXX of the month. Thank you
Consumer complaint received 2016-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Armada Corp. (WA)

I was billed twice the normal amount for a XXXX and way overcharged for a consultation for the procedure. My insurance company would have paid all if their billing department would have billed it as my normal 10 year check up. For some reason they would not. I asked for it to be fixed they turned it over to collections. I asked to speak with the doctor about his excessive bill and he would not discuss with me. That bill was also turned over to collections. I told the collection company that i was disputing the bill by letter. They still sent the information to the credit reporting agencies. My credit has been damaged.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

My request is to have this account removed from my credit report, as it is not rightfully mine, and its appearance disappoints me profoundly. In accordance with FCRA 605B, prompt removal is mandated due to unfair and inaccurate reporting.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Each Credit Reporting Agency continues to show credit inquiries when we have not authorized the companies to pull our credit.  I have disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (SC)

Our loan was paid off without our permission. I know that normally this would be a good thing but our circumstances warrant a different emotion. 

Last year, in XXXX of XXXX, our home was sold in an XXXX sale that we had no idea was taking place. The XXXX was from XXXX XXXX XXXX XXXX over a personal loan that was not associated with the loan and no documents show XXXX XXXX XXXX XXXX having any liens or judgments against the property. But was somehow they were still able to sell our home to XXXX XXXX and XXXX XXXX, XXXX individuals, the attorney for Founders was acquainted with. The loan that XXXX claims went into default back in XXXX was for a little over XXXX. 

We contacted Fay Servicing at least XXXX times or more explaining the situation and asking if they could do anything. We basically we told they would do nothing and we had to keep making the mortgage payments. If we didn't make the payments and the home went into foreclosure, they would come after us for the money. This didn't make sense because we told them XXXX had already XXXX on the property which meant Fay Servicing would then XXXX a XXXX time on the same property. This can't be legal, if it is, it doesn't make any sense at all! 

Now fast forward to XXXX, we start getting calls from Fay Servicing 's XXXX attorneys asking about payment and threatening XXXX. When we told them the home was already XXXX and not in our possession, they had no knowledge of what we were talking about. Turns out, Fay Servicing didn't take any notes on all the times for months that we called for help. 

XXXX and XXXX 's attorney emailed us asking that we obtain a copy of the payoff for Fay Servicing so that they can sell the home. They wanted an authorization letter giving them permission to obtain the payoff which we advised them we were NOT going to provide. 

Now fast forward again to a few days ago. We call Fay Servicing and learn that the loan was paid in full. We never called or gave anyone authorization to call our behalf for the payoff and Fay Servicing claimed it wasn't in the system which isn't hard to believe considering they don't take notes. 

We are planning to sue both Fay Servicing and XXXX for fraudulently obtaining information from our account.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

On Friday, XXXX XXXX, XXXX, I submitted an Identity theft report to Equifax. The XXXX XXXX XXXX, account number XXXX, fraudulent account was never removed from my file. This account is documented in the Identity Theft report which included an FTC complaint and a police department complaint that was provided to Equifax. Equifax claimed to verify the information using my name and social security number. My name and social security number has been used by someone else without my permission. This is the root cause of the entire problem. 
On XXXX XXXX, XXXX, I submitted a complaint to the Consumer Financial Protection Bureau, Case number : XXXX. In this complaint, I attached the same information showing that XXXX was disputed and listed in the initial police report and the FTC report for Identity Theft. Identity theft in which my name and social security number were used without my permission. 
On XXXX XXXX, XXXX, Equifax again refuses to remove the inaccurate account information from my file stating " XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number and address. Written confirmation has been mailed to you. '' This is the whole reason I am disputing this account, someone has stolen my identity and is using my name and social security number. 
I do not own a home. I have been renting since XXXX.
Consumer complaint received 2019-02-24
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. (SC)

Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$570000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( 06-30-00 ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my 20 different letters copy of my signature required service via UPS and evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance within the allowed 30 days. 

" I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As  you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Consumer complaint received 2015-09-04
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (DC)

On XXXX XXXX I used Western Union 's online services XXXX. On the web page this company offers a high level of security for all transactions, XXXX of them is that the receiver will got the XXXX XXXX Track number XXXX to receive the money. The problem was that I never give to him the XXXX number, but he just knowing my first and last-name, and knowing my phone number could call to Western U. to change, first the receiver name ( for this change I never received a change confirmation to my mail account, in addition he needed the amount and the date of the transfer so, how this was a trade transaction he already knows these details. So was very easy for him change the receiver name XXXX unbeknownst to me XXXX and then, I do n't know how he could ask for the XXXX to pick up the money the next day XXXX XXXX XXXX XXXX. the XXXX XXXX night I called to the phone number provide by the company XXXX call us toll free XXXX at XXXX ) to cancel the transfer but in that hotline they told me that I should call between certain hours ( so it 's not a XXXX line and also the one who told me that was a record not an agent ) then I tried by chat but also I could n't do it cause the agent told me that he could n't do it for this channel so he suggested me to call to the number above provide. 
Other of the Western Unions ; security rules is that you can not make any change if you do n't call from the phone number provided on the web page but the think that Western Union should know is that now exist different programs through you can make phonecalls without use the cellphone ( physically XXXX but if the phone number. 
Finally this guy stole my money unbeknownst to me because all these security fails of WU. I would like my money back WU does n't comply with all the things that they offer in their services.
Consumer complaint received 2020-11-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I have reach out to XXXX XXXX  XXXX  / XXXX XXXX XXXX XX/XX/2020 and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement XX/XX/2020. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of these accounts. 
There also reporting two separate account numbers for the same accounts My credit score has been affected. I am asking for this item to be removed from my credit report.
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I filed an official dispute with Equifac on XXXX. I stated that XXXX XXXX XXXX, a creditor on my file, as mistated my current account status. I supplied a current statement that verify the account status as " current ''. My previous account status was " Charged Off ''. XXXX has allowed me to bring my account back to a " current '' status. I want my credit file to reflect as such. On XXXX XXXX, 2016 Equifax return my dispute and stated that the Charge off Status will remain. I am not asking for anything more that my credit file reflect my current standing with XXXX. Equifax has not provided any further information to explain why they have decided not to update their files.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-02-24
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. (SC)

Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$570000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my 20 different letters copy of my signature required service via UPS and evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance within the allowed 30 days.

" I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Consumer complaint received 2015-03-29
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (PA)

After filing for Chapter XXXX Bankruptcy this creditor, Synchrony Bank ( XXXX XXXX XXXX XXXX ) continuously calls XXXX times per day. They were listed as a creditor in my bankruptcy petition and were sent notification of the filing over XXXX month ago.
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (IL)

Convergent has re aged and reinserted the alleged debt from XXXX on my Credit Reports. They are listing this account as having activity in XX/XX/XXXX which is incorrect and a violation of the law. 

These trade lines were removed as a result of a dispute by me in XX/XX/XXXX. 

This reinsertion came with no notification in writing to me. I noticed when I pulled my reports.
Consumer complaint received 2016-07-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has not properly notified the credit bureau that my account from 2012 has been satisfied even though I have a confirmation letter from them and have attempted to resolve this multiple times. I am in the process of a refi on another home and this is an issue.