davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

I tried to access my yearly credit report from Equifax. They stated on record the answer of my personal questions were incorrect I guess and then I submitted request directly providing proof and still could not get access to my report. I am currently working on improving my score and they are one of the road blocks Please see their attached response of which I already submitted sufficient information to obtain my records. Please assist
Consumer complaint received 2020-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (PA)

On or around the week of XX/XX/XXXX we received two phone calls from Raymour and Flanigan XXXX stating our furniture would be delivered to XXXX XXXX XXXX, XXXX, PA. We called the number left on the voice message and told them we did not purchase any furniture and certainly not to that address. They stated, Ok, we must have had the wrong number. 

I logged into my TD bank ( Raymour and Flanigan ) account on Sunday the XXXX and found two charges one dated XX/XX/XXXX in the amount of XXXX and one dated XX/XX/XXXX in the amount of XXXX. 

I immediately called TD bank and alerted them to the fraudulent charges. They placed the charged in dispute. I also called Raymour and Flanagan 's fraud department, spoke to a man named XXXX, who confirmed that the orders were placed online at the XXXX store and the buyers were supposed to come in an confirm identity. He also confirmed the above delivery address. He was supposed to check the store camera 's to see who the people were. He opened fraud case and assigned a case #. 

TD bank sent me a letter dated XX/XX/XXXX confirming my dispute. They sent a letter again on XX/XX/XXXX confirming the above amounts were in dispute. They sent me a letter on XX/XX/XXXX stating a credit would be placed on my account for the full amount. 

XX/XX/XXXX I get a invoice directly from Raymour and Flanigan with a new account number which I did not authorize with two identical lines items listed as " balance transfers '', totally ignoring my original dispute and their own case #.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KY)

A few months ago I learned that I had negative marks on my credit history report. Trying to take actions to resolve these issues I discovered that I have an amount on a internet service with XXXX that wasnt paid. I do not deny this account. However when calling the collection agency to try to pay on this amount they have informed me that I have another amount with the same company. An apparent account was opened only a few months after my original service was discontinued due to non payment. I did not open this account and do not understand why XXXX would even let anyone open an account in my name when my own service was just discontinued bc I owed them money. I have been getting the run around from this collection agency. I paid part of the amount that I did owe XXXX and they have not reported that. Upon checking my credit history it says that I have paid XXXX amount and still owe the full balance. They told me on the phone they will continue to report to anyone checking my credit that I owe the whole sum and have not made any payments until the whole amount is paid in full. I just really feel like I am being bullied by them bc I refused to pay for an account that I did not open with windstream.
Consumer complaint received 2021-09-21
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. (TX)

TRANSUNION, XXXX, AND XXXX Violated -Federal Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates I XXXX never gave TRANSUNION, XXXX , or XXXX my written consent to report any derogatory remarks, hard inquiries and, unverified items on my private consumer credit report, causing me severe suffering. ( see attatchments )
Consumer complaint received 2022-05-02
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-04-08
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)

This is account is being reported to my credit by EXPERIAN as 23 Charge offs which is abuse. 

The account is in the amount of {$3200.00} I GIVE EXPERIAN PERMISSION TO HANDLE THIS
Consumer complaint received 2018-03-10
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: JPMORGAN CHASE & CO. (CA)

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Chase they claimed that they had investigated and came out with the idea it was me because someone called and verified with a PHONE NUMBER THAT WAS NOT MINE. 

These accounts with Chase bank are the result of fraud and under the FCRA 2009 ( a ), these charges are fraudulent and this account was opened fraudulently in my name.

Also in accordance with 615 ( g ) of FCRA that the account is known to be Fraudulent, so that the original creditor can not sell, or transfer the debt. 


Chase seems to be playing this debt off saying its not fraudulent because someone called and said they were me and received a security code from a phone call that is not mine. 

I have and will once more send over a FEDERAL AFFIDAVIT identity theft report to Chase under the penalty of perjury, also I will once more supply Chase with the needed information and paperwork to produce the ACCURATE decision. 

They opened other accounts and every creditor other then chase has conducted a accurate report, in a timely manner.. Im a college student and should not be having to jump through loopholes with Chase to resolve this issue Under the FDCPA 2009, this debt is uncollectable by furnishing the appropriate information in a timely manner to Chase bank. 

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau,  and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "
Consumer complaint received 2018-03-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ACIMA CREDIT, LLC (WA)

On XX/XX/17 I received an email from the collections department of Acima stating that my payment was in default, this email illegally disclosed my debt to multiple third parties as this was a chain email sent to multiple customers and I'm turn disclosed these customers debt to myself, without their permission or knowledge.
Consumer complaint received 2023-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

XXXX sold off thier mortages to Rushmore Loan Mgt services XX/XX/XXXX. In XXXX i complain by phone after they raise the escrow without notification. I considered the calcs wrong. Sent emails in XXXX same complaint. Called XXXX for two things to complain about no action and also that preseent home insurer XXXX will be replaced by XXXX In dec. Wrote a email XXXX or XXXX to complain about lack of customer service, no return calls and lack of action. On XX/XX/XXXX unknown to me they payed XXXX before due date. Only found out after i look in XXXX after XXXX  submitted thier bill. Wrote another email to inform them they paid the wrong insurance company. XX/XX/XXXX my XXXX was showing 30 days overdue. Again i wrote thier need to correct thier mistake. They finally paid XXXX at the end of XX/XX/XXXX or beginning of XX/XX/XXXX not sure presently. But they refuse to correct thier mistake which is over XXXX dollars to my escrow. Basiclly sent me a form letter on XXXX, XXXX, which is postmarked XX/XX/XXXX and recieved by me XXXX where they state this is my fault completely and obiviously my escrow is now missing money and short which they expect me to pay for. 
They violated std escrow law where they have to notify of changes which i have the right to address at the moment. Second they violated fudiciary respondsibility by using MY money to purchase unauthorized insurance thus having me pay for two different home policies which is also against the law. I look at that unauthorized use of my money as theft which is a felony. Thier refusal to except fudiciary respondsibilty, lack of proper supervision of my account and lack of proper customer service has lead to months of distress on our part. My plan is to also notifify the states of Illinois and California of thier complete lack of fudiciary respondsibility. Plus if needed we plan on turning this over for legal action to the proper authorities and lawyer. You will also find out NEVER, again Never have had any problems with this in over 20 years, only after they took over. Also Im not even required to have a escrow since over 65 % of my loan is paid. This company needs to be held accountable for a complete lack of accountablity. The escrow account is my money not thiers
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (UT)

I received 2 pieces of mail to collect a debt from a person who has never lived at my residence. I bought my house from a man who lived alone. I have lived in my house for 3 years, and have not joined a gym while living in Utah. It was clearly sent in error. 

The person on the complaint is female. 

I called to rectify it the company said to leave a voice mail, the voicemail was full. Also they had no email. 

I found this extremely suspicious. Additionally I know that XXXX fitness uses a place called XXXX XXXX for their collections after googling. 

I also don't want them to touch my credit score.
Consumer complaint received 2020-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY is located XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. This company has obtained my personal information without my legal consent. I sent a letter requesting PORTFOLIO RECOVERY to provide related documents like, details pertaining the furnishers, proof of documents bearing my signature between Portfolio Recovery and myself. what was the amount paid for this debt? Is Porfolio Recovery licensed to collect in the state of Texas. I am requesting information in connection with my total indebtedness to this alleged debt. please investigate this company.Due to this company 's unethical practices it has cause damage to my credit report and credit worthiness to sustain a living. I am demanding to delete and remove
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: EQUIFAX, INC. (FL)

Good morning, I understand what the law says about the credit report and filing for a bankruptcy but I believe it is not fair that if I file for bankruptcy and the case was dismissed that it is listed on my credit at all, if at the end of the day the government funds were not use to get out of debt why is it being reported at all and damaging my credit? I went through a rough period of my life as many Americans from XX/XX/XXXX to XX/XX/XXXX that filing for bankruptcy was my only option for my piece of mind since I was going crazy not being able to pay off my debts as I wanted to, but the case was dismissed because I was not in the US at the time of the court ( taking care of a personal issue in XXXX ) and I decided not to continue filing the bk after that, still my credit was affected and I've been working hard to restore it, but the bk that I never received a benefit from is still showing and from what I see it will continue coming up for another 3 years. Please if there is a way to have that bk removed please let me know how, or if some amendment to the law can be done to help us consumers that dismiss the cases to have the bk removed would be greatly appreciate it by me and many Americans. 

Thank you
Consumer complaint received 2020-12-12
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. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2018-02-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MA)

XXXX XXXX XXXX sent me a collection notice regarding an account that was clearly fabricated. It does not appear on my credit report, and I never opened this account nor did I agree to assume this debt. 

The original creditor they cite - XXXX XXXX. XXXX-Consumer -- is not associated with the IIN/BIN Number number cited ( XXXX ) -- and is in fact associated with a DEBIT card, not a credit card. A cursory check of the facts by Midland would prove that this debt record is completely fabricated. 

It's clear that they are trying to collect on fake debts, and someone needs to stop them.
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

SPS is lying about me not being able to get a forbearance. I just spoke to XXXX from lost mitigation and she said that SPS is still offering forbearances because of the CARES act. She also said it doesnt matter whether I have a conventional loan or not.
Consumer complaint received 2020-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AL)

On XX/XX/XXXX my spouse, XXXX XXXX XXXX, was killed while on an XXXX overseas assignment. Between XX/XX/XXXX and XX/XX/XXXX, I notified all credit card companies/creditors of his death and provided a copy of the XXXX XXXX Notice of Death that was sent to me by the State Department. 
There was no estate or Probate. 
I was notified by all credit card companies/creditors that my spouse 's debts would be discharged and there would be no other communication. 
On XX/XX/XXXX I received a 1099-c from Synchrony Bank in my spouse 's name. 
The Cancellation of Debt in the amount of {$9800.00} was based on an identifiable event occurring on XX/XX/XXXX. This date has no legal significance or relationship to my spouse 's death in XXXX. 
I contacted the IRS assistance telephone line and was advised that Synchrony has processed the debt incorrectly and now must issue a corrected 1099-C XXXX  out all amounts.The debt was not cancelled, it must be discharged due to the death of the debtor. 
I spoke with 'XXXX  XXXX and 'XXXX  ' at the Synchrony number and was advised to just ignore the 1099C. It  doesn't work that way. Since the XXXX is still processing travel reimbursements for my husband, unless Lowe's/Synchrony issues a correct ( XXXX ) 1099C, I will be forced to pay taxes on the {$9800.00}. 
All the other credit card companies/creditors handled the situation correctly, now it is Synchrony Bank 's turn.
Consumer complaint received 2021-06-09
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. (IL)

I have disputed errors on my credit report with XXXX XXXX, Equifax and XXXX  several times. 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.
Consumer complaint received 2020-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2018-10-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation (IL)

I received a loan from XXXX that I did not apply for. However, somehow they deposited {$400.00} into my checking account and sent me a loan agreement that they stated I signed electronically, however, the IP Address doesn't match. They now want to electronically withdraw {$1600.00} in order to pay the loan back in full!! They actually have a 766.56 % annual percentage rate!! Even if I did apply for the loan, how is THAT legal?? I need to find out what I need to do in order to report this company so they do not steal people 's information again. When I contacted the company the asked for my personal information which I did not give. How BIG does this scam really go?? HELP!!!
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/2018 I recieved a notification via XXXX that a collection account had been added to my credit report, for the amount of :XXXX $ to XXXX XXXX XXXX XXXX. The original creditor was from : XXXX a XXXX, Il electric utility company..I never lived or worked in XXXX, Il . I was able to dispute it off my credit report for XXXX and XXXX.I disputed with Equifax but recieved a email Pdf saying The Collection agency XXXX XXXX XXXX XXXX verified it was me.that a lie.I contacted them first when o saw on XXXX they didn't have MY contact info but the person who used my SN # .If u contact XXXX.they wont have my contact info but another.I showed proof that the account is not mine.but just because XXXX XXXX say differently still on my credit report.I repeat they didn't have My contact info until I contacted them and ask what and why about the XXXX $ collection. I have a variety of proof that I'm a florida resident and I work in Florida.I never set up a Electric utility bill in XXXX, Il.