davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

On my Equifax credit report, XXXX ( Account Number : XXXX ) was deleted in XX/XX/2021 and reinserted on XX/XX/2021 and I was never notified of reinsertion. I was advised by XXXX at Equifax they did not need to notify because the lender reported it.
Consumer complaint received 2021-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (GA)

I monitor my credit report through XXXX, XXXX, and XXXX. I received an alert from all 3 bureaus that there was a collection account added to my reports. The company 's name is United Collection Bureau showing an account # of XXXX in the amount of {$740.00} with an original creditor named XXXX XXXX XXXX XXXX. I have never heard of the company United Collection Bureau. I am unaware of this company, the amount, the debt and it's origin, therefore, this debt is not validated by me. Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I did not give permission to XXXX XXXX XXXX XXXX to to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. I demand that United Collection Bureau DELETE credit reporting from XXXX, XXXX, and XXXX until this debt is validated showing proof of my signature. Any further reporting of this collection debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I demand DELETION of the erroneous account # XXXX from XXXX, XXXX, and XXXX immediately.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are 11 accounts on my credit report that do not belong to me I have tried taking this up with the bureaus as well as the funrishers and nothing is being done I need help to remove these from my credit report since they do not belong to me. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX CO Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-01-24
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. (IL)

My social security number has been stolen. This person that stole it lives in Texas, and I live in Illinois. I have their name and address. They have open 1 credit card in my name ( Opened XX/XX/XXXX ) and tried to open several others ( XX/XX/XXXX ) but were unsuccessful. The credit card they opened in my name is with XXXX XXXX, I have called them explained my situation and they thought I was the fraudulent person because the address didn't match! Then on my Equifax they changed my address to theirs in XX/XX/XXXX! I am extremely worried about my information and my credit being affected by all this, and I seem to be getting no help from the companies involved. Please help me. Thank you
Consumer complaint received 2022-01-13
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: Self Financial Inc. (TX)

I have advised of these errors previosly. 
I recently received a copy of my ( XXXX, XXXX, XXXX XXXX ) consumer reports, and I noticed some late payments posted on my consumer report, XXXX XXXX  Acct # XXXX Closed Account XXXX Late payments reporting on consumer report XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2021 XXXX is in clear violation of the law, Pursuant 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my consumer report? Furthermore the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 15 USC 1681s 3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer ( me ) and the person making the report ( XXXX ) ; Delete the above late payments from my consumer report, XXXX is in violation of 15 USC 1681 I have on multiple occasions mailed supporting documentation and correspondence and not been sent validation or response to these documents and queries. I as the consumer am offering remedy to these violations and non-compliance to consumer laws. Please I ask in your capacity to get these important matters corrected immediately.
Consumer complaint received 2018-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have no knowledge of debt that collection agency keeps telling me that I owe them. I asked for validation of debt and collection agency keeps sending me a copy of a billing statement. I have asked repeatedly for something more as proof that I owe the debt. Per the FCRA a credit card statement is not validation of debt. This collection agency has 2 collections on my credit report that I have sen tin multiple letters of dispute and proof of identity theft.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (AZ)

Approximately XXXX I applied for a Citibank Costco Credit Card. 
My request was denied an I was told I would receive a letter in about 7 days. 
XX/XX/XXXX. 2022 I received a letter outlining the reasons for denial. Based on their letter and indication that it was based on my XXXX credit report, I checked my report. 
The initial reasons they cited in the letter were NOT accurate. 
XX/XX/2022. After reviewing their email and reading their letter i attempted to call them, at the number they provided. The number was an AUTOMATED SYSTEM that did not offer an opportunity to speak with a live person. After approximately XXXX mins of trying to speak to someone the person that answered transferred me BACK to the automated system. 
I didnt have time to deal with it so I set it aside. 
Later the same day I again attempted to contact them to speak with a live person. Again, it took XXXX minutes of fighting with the automated system to be transferred to a live person. I prefaced the call with the fact that their automated system was horrible. They did transfer me to another live person. That person was very nice but couldn't seem to grasp the reason I was complaining and that pulling another credit report would be a waste of time because their explanation did NOT match what was on my credit report. 
Additionally, had they made it clear that XXXX derogatory remark on the credit report, regardless of the reason, the application would be denied, I wouldn't have applied for the card. 
Additionally, I have a FRAUD ALERT on my credit reports. Most legitimate requests for credit applications are followed up by a phone call to verify my identity and to verify I personally submitted the application. They didn't do that. How do they know it wasn't a fraudulent request?
Consumer complaint received 2021-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

XXXX XXXX XXXX In {$310.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$310.00} XX/XX/XXXX United Revenue Corp {$1400.00} XX/XX/XXXX I have spoken with XXXX  about removing these fraudulent accounts off of my credit report. These alleged debts do not belong to me and they are a violation of my rights as a consumer and as the original creditor. They are also a violation of my Hippa rights which states that any of my medical records or documents can not be shared without my consent. These fraudulent accounts are affecting my ability to extend credit.
Consumer complaint received 2022-01-13
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. (IL)

I have been a victim of identity theft. I disputed accounts with Equifax, XXXX, and XXXX. They have not preformed an investigation to validate the accounts. I also sent the credit bureaus a letter from the creditor stating that they did not report the fraudulent information to the credit bureau. Please assist me with this issue. This account is harming me from finding a home for me and my children.
Consumer complaint received 2021-06-08
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. (TX)

I disputed this item several times before XXXX XXXX home mortgage which you guys say its a foreclosure on my report how are you verifying this XXXX  and XXXX XXXX have removed this item from my report as they have found it to be not of mine or inaccurate also the account at hand is recording late payments and a payment amount monthly which is another ground for removal per the FCRA remove this immediately and or provide me with my full report and full method of verification. Please remove immediately
Consumer complaint received 2021-06-08
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (NC)

My home is under contract & was scheduled to close on XX/XX/XXXX. The closing attorney has been asking for the payoff amount from Novad Management Consulting since XXXX XXXX. Novad failed to send payoff amount to the closing attorney, which resulted in closing getting delayed. The closing attorney and I have made repeated phone calls to Novad with no success. They keep you on hold for 45 minutes - 1 hour, then only say the payoff request has been expedited. They will not give a date when the payoff will be sent. I filed a complaint with The XXXX XXXX XXXX on XX/XX/XXXX, and received a call from Novad on XX/XX/XXXX, saying they never received a payoff request - even though they said on previous calls that the request had been expedited. Obviously their claim is untrue. They promised to send an email to me with further information, but no email has been received. Novad will not allow me to speak with a supervisor, nor will they transfer me to the expedited department - they say they do not have that contact information. I am a retired veteran, living in assisted living, and in dire need of the proceeds from the sale of my home to pay for my living expenses. The buyer is also in jeopardy of losing his interest rate lock, resulting in hundreds of dollars in additional expenses for him. All I ask is that Novad send my payoff amount to the closing attorney so I can complete the sale of my home.
Consumer complaint received 2020-07-24
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. (NY)

I had disputed an account that was not reporting to the 3 credit reporting agencys. It finally reported but with errors. I disputed it again. Today I received in the mail notification they deleted the whole account off my report. I contacted TransUnion and was told they cant dispute something that isnt there. I want this account to report as it has a XXXX balance with a {$4800.00} credit line with no late payments.
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

my wife became very ill and was diagnosed with XXXX  XXXX and I have had to be her XXXX Due to the increased medical expenses with the treatments and medication, I have had to use the majority of income that I get and unfortunately her condition has not gotten any better. I have asked my mortgage company for the assistance that I all they tell me is to fill out there application which I have done many times and each time they tell me I am denied. All I want is to save my home and take care of my wife please I ask for assistance in this urgent matter.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (SC)

On XX/XX/2021, I received a letter to collect a debt from Sequium Asset Solutions , LLC. It stated I owed {$130.00} to XXXX XXXX XXXX XXXX, which is untrue because I paid the remaining balance when I canceled the XXXX XXXX XXXX service with the representative over the phone. 

I wrote back Sequium within 30 days after receiving the notice using XXXX  to verify the debt 's validity. Also, I asked for proof to show I owe a debt and agreed to pay a debt in the same letter. Sequium never responded. 

The following month I received an alert from my credit monitoring service that something 'negative ' was added to all three of my credit reports. I was appalled to see it was Sequium on my credit reports. So in XXXX of XXXX, I wrote Sequium again by XXXX asking for proof to show how I owe a debt that did not exist. Sequium never responded.

I disputed the debt 's validity to all three credit bureaus by XXXX, and each credit bureau reported back that Sequium verified the debt. However, this time the debt was verified, but Sequium updated the date of the debt.

So far, I have written Sequium three ( 3 ) letters through the XXXX XXXXince XX/XX/2021, and I have not yet received any response. Additionally, I have not received any information on the original creditor 's debt, how Sequium came up with a balance of {$130.00}. I also asked to show proof Sequium is allowed to collect debts in the XXXX XXXX South Carolina. 

As of today 's date, XX/XX/2021, I have not received anything from Sequium regarding this frivolous debt which continues to have a detriment on my credit score and financial well-being.
Consumer complaint received 2018-02-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XX/XX/2017 this has been going on for 3 months where Bank of america is over charging me for XXXX dollars, where i have made a purcahsed from target and XXXX XXXX XXXX and went to go do a refund but they decided to charge me for my refund which never made any sense please read my attached form which explains everything, i have lost so many hours and time with them on the phone, i even have to call them on my day off i mean who does that? someday i would be on the phone with them for over 4 hours or 6 hours this needs to stop!!
Consumer complaint received 2019-09-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America comitted fraud in establishing my mortgage. I filed a complaint and a representative named XXXX XXXX responded with a number of lies I have reached out to him on 7 different occasions and he has refused to return any of my calls.
Consumer complaint received 2021-08-10
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. (TX)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

I refinanced my home the loan to AmeriHoME mortgage was paid in full. In my escrow account I had {$5600.00} which AmeriHome has to return to me within 21 days per law. They mailed a check dated XX/XX/XXXX for the amount of {$5600.00} I never received the check but I was told by AmeriHome that it was cashed. AmeriHome emailed me a copy of the check. I informed them it wasn't me and filed an " research case '' in order for them to look into it on XX/XX/XXXX Via fax as told by the customer service representative. In the fax I included my ID and my Husbands ID, a copy of the police report that I filed with XXXX XXXX XXXX XXXX, a copy of the canceled check AmeriHome provided me and a statement asking them to reissue check because I did not cash the check. I have not heard back from them. I have called to follow on the following dates on XX/XX/XXXX they confirmed that they received my fax. Called again on XX/XX/XXXX the representative said he didn't see updates but he would send the research department an email and ask for an update. Called again on XX/XX/XXXX the representative said there was no updated from research department at all not even after the email. I asked to speak with a supervisor and was told by representative that she was emailing the request for a call back from her supervisor and that I would get a call within XXXX hours. as of now XXXX hours later no call. I called XXXX because the routing number on the copy of the check is from XXXX and they told me I had to go back to the mortgage company. I am very frustrated because no one in the " research department '' at Ameri Home contacts me not by mail or phone. There is no direct number to them so I have to go through customer service those representatives no nothing and send internal emails but when I call back there is no response to their emails either. This is not a small amount of money. I need HELP!
Consumer complaint received 2021-03-29
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. (IL)

I have sent Numerous notices to XXXX, Experian, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & are in error that need to be delete from my credit report.
Consumer complaint received 2018-07-15
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. (WI)

I am a victim of identification theft. My information was stolen via a data breach with XXXX. I have tried on multiple occasions to have the fraudulent accounts removed from my credit reports to no avail. I have sent the credit reporting agencies copies of my police report, FTC affidavit, and my signed sworn declarations but they refuse to remove the fraudulently opened accounts.
Consumer complaint received 2018-07-27
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: Experian Information Solutions Inc. (AL)

I have tried repeatedly although unsuccessful to remove multiple inquiries from my credit report with all 3 credit bureaus multiple inquiries in a certain timeframe should only count as 1 inquiry. Each bureau refuses to remove the inquiries from my report which is affecting my credit worthiness.
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (CA)

Company reported to my credit report before notifying me of the existence of this debt. I went to pull my credit report in XX/XX/XXXX and find this negative reporting item that I didn't know existed. Original Creditor is XXXX XXXX. I didn't know I owed a final bill and thought this was paid off and taken care of before I moved to my next address. OC never notified me of this debt and credit reporting company Diversified Consultants never reached out. I still haven't received a final bill. I called OC to verify the debt that was on my credit report, and they did an escalation in XX/XX/XXXX to see if this debt was legit before I would called the credit collection company. They verified it existed in XX/XX/XXXX. I tried to call diversified once, they said they wouldn't delete it from my credit report as a pay to delete although the circumstances, because their company policy states they do not delete any debt. This makes no sense, they reported this debt without notifiying me of its existence, and now expect me to pay it without them doing a pay to delete. I am not arguing the existence of this debt after talking with XXXX, I am arguing the fact that I was never notified of its existence, and I want it off my credit report, because if I knew about it, I would have paid it to prevent even going to this level. 

I called again on XX/XX/XXXX at XXXX XXXX to verify if this was still their stance. Even after hearing the story and getting management ( XXXX XXXX ) involvement, they are still unable to produce a pay to delete. 

In my experience, the debt MUST be notified to the consumer and then reported. I still have not received the bill that this company has this debt, they haven't even verified my address even after I told them that I never received any information regarding a debt. They will only take payment and not get this account deleted. I understand company policies, there needs to be exceptions for the people who actually are unaware of these debts. This is a {$350.00} collection that I would have immediately paid if I knew about it and I want it deleted from my record and I want to pay it for the deletion from my credit. When somebody is trying to pay their debt IN FULL, and lets you know of the circumstances revolving its existence, there needs to be someone that has the power to override a policy that is put in place to keep things reported for people trying to escape or not pay a debt.