davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-25
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)

Ive contacted Equifax multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. There is a Bankruptcy that shows on my Equifax credit file on, and it doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to receive this information. 
I wrote a formal complaint to Equifax on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and XXXX bankruptcy from my account due to the fact that it was not mine. I did not hear from them after 90 days so I wrote them again on XX/XX/20 using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred. I have included a copy of the second letter along with the receipt of the certified letter that was sent to Equifax. I sent proof of the bankruptcy court stating that they DO NOT REPORT ANY FILINGS TO THE CREDIT AGENCIES. I sent proof that XXXX XXXX has no record of this either. 
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. 
If you have any questions, I am free to discuss this situation. 
Thank you in advance for you assistance.
Consumer complaint received 2020-10-24
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. (LA)

Dear ''CFPB '', Its been well over 30 days and I haven't receive any results regarding my dispute with Equifax.I will attach a copy of my disputer my letter and my 30 day demand letter that was sent XX/XX/2020 and XX/XX/2020.
Consumer complaint received 2018-07-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

I am having trouble getting my mortgage company to help with loss mitigation.

My mortgage Doubled in the monthly amount. I asked for a modification after Hurricane Harvey. I lost so much after the storm and am trying to recover. My husband walked out and left, therefore my income decreased, However I am still working but just need help lowering my monthly payments until I get back on my feet.

If there is anything that can be done to help me save my home I really appreciate it. I have young children and we need to keep our home. They have already been through so much devastation
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX, XXXX I was on-line this date putting credit freezes on my and my wife 's accounts and had no trouble with XXXX and XXXX but when I tried to use the Experian website I was unable to complete the process. They denied my attempt and said I have to submit my request in writing. I imagine the reason I was denied was either because we have two homes in different states as we are in the process of retiring and relocating or because one of the questions they asked me appeared to be based on incorrect information on their part, it was obvious how it was meant to be answered but I answered it correctly it apparently did not correspond with their poorly assimilated information. 

I tried to call but there does not seem to be a way to speak directly with a customer service representative at Experian or even an available email address with which to try and straighten this out. I have to admit that following the revelation of XXXX XXXX  incompetence I am not amused at the lack of professionalism at Experian.
Consumer complaint received 2019-03-02
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. (TX)

XXXX XXXX XXXX - I spoke to someone on XX/XX/XXXX2019 in order to create a payment arrangement for the bill that is due on XX/XX/XXXX. Per the person I spoke with, I believe her name was XXXX said that they have accepted the payment arrangement - please pull out phone records if possible because it was for {$100.00} on XX/XX/XXXX and the excess of {$91.00} on XX/XX/XXXX. She agreed and we hung up the phone. I called back and wondered as to why XXXX filed a derogatory mark under my credit report with Transunion. I called XXXX about this matter on XX/XX/XXXX - and the representative, I believe it was XXXX again - was not very helpful. She said all they can do is file an investigation. 

Fast forward to XX/XX/XXXX, another representative calls me while I am at work, I inquired about the investigation and per the representative, they have no record of one taking place. 

The representatives with this company just shows how ignorant they are. They failed to give me proper information on how this was going to affect my credit score.
Consumer complaint received 2021-08-17
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: Convergent Resources, Inc. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted dispute leters to XXXX via mail on XXXX. I have the proof of mailing on XXXX. 
Today XX/XX/XXXX i received a letter stating that the timeframe for response was extended by 15 days due to additional information regarding the dispute being received. The letter states that my original submission was received on XXXX and additional information from me was received on XX/XX/XXXX. As the proof of mailing proves it is not possible that the original mailing was received on XXXX. Moreover, I did not send any additional evidence regarding the dispute. As such, the timeframe to complete this investigation can not be extended by 15 days, and should be completed by 30 days as required by law. 
This same correspondence stated that the proof of address that I sent was inadequate. However based on the list of documents that can be sent, my information was in fact adequate. I sent a copy of my ID and a untility bill dated XX/XX/XXXX - both have the same address, and the utility bill is within 2 month of the mailing date as required. 
I called transunion today and spoke to XXXX. My call was at XXXX. While the representative told me to disregard the extension, she stated that she could not get me anything in writing stating that the timeframe was in fact NOT extended. As such I am contacting this agency regarding the matter to hold transunon accountable to the 30 day timeframe - as they have no grounds to extend investigation by 15 days.
Consumer complaint received 2018-07-17
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: Riverwalk Financial Corporation (CA)

I had {$860.00} left on XXXX XXXX Credit card when it went to collections. I made a payment on XX/XX/18 and XX/XX/18 both for {$430.00}. I was told that if I made these payments this credit would show as paid & full and would be removed from my credit report. 
This is still showing as a negative on my credit report with a balance. 
I have attached a form below from the company stating the account has been paid in full and the promises of removal. 
Please advise.
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (MN)

The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX XX/XX/2020 and XXXX XXXX XXXX, XX/XX/2020
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (FL)

Southwest collections. Never advised me of a debt. Also it's not mine. They don't have my social. They claim it's cable equipment from 4 years ago. The original creditor never reported to my credit report. They purchase an old cable equipment debt and put it on my credit without notifying me. Then say I owe XXXX. XXXX
Consumer complaint received 2018-07-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AmeriCash Holding LLC (WI)

Recently it came to my attention that XXXX XXXX XXXX, XXXX dba AmeriCash Loans, XXXX XXXX XXXX XXXX XXXX, WI XXXX entered a Summons and Complaint Small Claims against me on XX/XX/2018. 

AmeriCash Loans headquartered at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL. XXXX did not officially notify/serve me said summons and complaint by certified mail, registered mail, nor official process server which is dictated and outlined as an official procedure in debt collections in the State of Wisconsin. 

Also, I did not receive official notices/letters ( as mentioned above ) from AmeriCash of the Right to Cure Default of said payday loan within the past 2 years leading up to this complaint.

Nor have I received to date an official notice of said summons and complaint filed in the State of WI Circuit Court, XXXX County, Case No. XXXX which is presently pending against me at this time of writing this complaint.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IA)

I HAVE AN ACCOUNT FROM XXXX XXXX XXXX XXXX FROM XX/XX/1999 THAT KEEPS APPEARING ON MY CREDIT REPORT, THIS ACCOUNT WAS INCLUDED IN A BANKRUPTCY FROM 15 YEARS AGO. THIS DEBT WAS DISCHARGED EQUIFAX KEEPS HAVING THIS INFORMATION RE-APPEAR ON MY CREDIT FILE, IT WAS IN BANKRUPTCY AND ITS WAY PAST THE TIME THAT ANY DEROGATORY ACCOUNTS SHOULD BE LISTED ON THE CREDIT FILE
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I recently sent letters over 60 days ago to this bureau Experian and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this. Now when I complain through CFPB now they saying its not me " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' I'm extremely upset they are not taking action on my consumer report and I want this handled NOW!! I PROVIDED EVERYTHING THEY NEED AND THEY STILL NOT TAKING ACTION IN REGARDS OF MY DISPUTE. I WANT THIS HANDLED NOW BECAUSE ITS INACCURATE INFORMATION.
Consumer complaint received 2018-07-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

This debt was taken over by United revenue corp in 2012. They did NOT VALIDATE the debt and I do not owe them or original crediter. I sent letters for them to validate the debt with my signature and they failed to do so, so want to complain against their company.

I want this deleted from my records as they have been harrasing and have not validated the debt.

United revenue corp XX/XX/2012 {$570.00} DID NOT VALIDATE DEBT AND HARASSING ME
Consumer complaint received 2018-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

I made a commitment to Chase bank in XX/XX/2018 submitting two payments to the same payee via online bill pay. However Chase bank failed to honor the agreement, the payee is demanding proof of payments or the mailing envelops in order to waive the penalty {$930.00}. When asked, Chase bank refuses to provide me the envelops, due to the fact that the two payments were never sent in the first place.
Consumer complaint received 2020-10-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advanced Collection Bureau, Inc. (GA)

I have contacted Advanced Collection Bu three times requesting validation of an account being reported on my credit report. Letters were  written and mailed to this company on the following dates : XX/XX/2020, XX/XX/2020 and XX/XX/2020. This company has failed to provide me with any form of validation. When I spoke with a representative from the company I was informed that they will continue to report on my credit report. This company has also re-aged the account every month since I requested validation from them.
Consumer complaint received 2017-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PINNACLE RECOVERY, INC. (FL)

We bought a Timeshare at the XXXX XXXX XXXX, XXXX XXXX XXXX, thru a Timeshare Resale company. The property was paid in full. Used it once, not what we thought it would be. We offered the company to take back the property totally free, we just could not keep paying the Maintenance & Taxes. They refused. 
We stopped paying the M & T and eventually they sent it to Pinnacle Recovery , Inc for collection. This happened so long ago that I do not have exact dates. However this debt is way past the Statute of Limitations and should not be pursued anymore, much less putting it in our credit report. This could not be happening at a worst time since we were just approved for a mortgage and there should not be any significant changes in our credit scores.The daily calls and frequent letters also became very annoying. 
Please help us resolve this as quickly as possible for we do n't want this to interfere in our new home purchase. 
Thanks.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I don't know how many times I am suppose to complain and send in documented proof of errors and federal violations to my credit report. The law states if the credit bureau does not respond/resolve a requested issue/dispute in 30 days the item is removed. Where is it legal that a creditor removes and item but the credit bureau determined to keep it on the consumer credit report. At this junction I have no other choice except legal recourse. All credit bureaus where sent certified letters in XXXX and XX/XX/2020 without a response in 30 days. See the attached.
Consumer complaint received 2020-10-24
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. (FL)

I don't know how many times I am suppose to complain and send in documented proof of errors and federal violations to my credit report. The law states if the credit bureau does not respond/resolve a requested issue/dispute in 30 days the item is removed. Where is it legal that a creditor removes and item but the credit bureau determined to keep it on the consumer credit report. At this junction I have no other choice except legal recourse. All credit bureaus where sent certified letters in XXXX and XX/XX/2020 without a response in 30 days. See the attached.
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (FL)

The company in question is the SWC Group in XXXX, TX. I found out of their existence via my credit score dropping 40 points due to an unknown debt held by SWC that allegedly originated via XXXX telecommunications. This is false. I've never had an outstanding debt with XXXX. I closed the account out years ago and opened a new account with my wife. No mention of money owed when account was opened. Fast forward a few years and this delinquency pops up. No letters or phone calls. When I call SWC they hang up on me as they do not have a record of my existence. Very rude. After finding the ceo XXXX XXXX I decided to personally email him. He didn't not take to kind to that. This firm is a fraud. {$96.00} is a very small amount but I can imagine their practices with some of their less fortunate clients. They need to be investigated.
Consumer complaint received 2020-10-24
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/XXXX I noticed my credit score had dropped nearly 150 points and my credit limit on my XXXX  credit card had been reduced from {$2000.00} to {$200.00}. I called them and they said Id had a delinquent balance of about {$9.00} beginning in XXXX of this year when I thought I had paid it. Between then and now I did not once receive any notification from XXXX that I had a balance. Nor did I recieve notification that my credit limit had changed. I have not used my card for several months as I rarely visit XXXX  stores and I had gift cards so I didnt need to use my credit card.
Consumer complaint received 2023-03-24
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. (PA)

Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

I received a letter dated XXXX XX/XX/2020 from USAA stating that my two checking accounts and savings account would be closed. I  received another letter dated XXXX XXXX saying that those accounts would be closed unless I provided information to them. I called on XXXX XX/XX/2020 and submitted the required information. The customer service rep assured me multiple times that my accounts would now remain open. XXXX XX/XX/2020 USAA closed my two checking and one savings account. They did not have a reason.