davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-16
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: Self Financial Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FAUD ACCOUNTS ON MY CREDIT REPORT Original balance- {$720.00} Account numberXXXX Open/closed-Closed Date opened-XXXX  XXXX, XXXX Account type-Secured Loan Status-Paid, Closed. 
Status updated-XXXX  XXXX Original balance- $ 724 Monthly payment -- Last payment date-XXXX  XXXX, XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX INCOMPLETE ACCOUNT 3 IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2021-06-06
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. (CA)

I have sent letters by US mail 3 times within the last 4 months I have been patient during the 30 days to let their investigation process go through. When I called the credit bureaus for status updates they informed me that they have never received my letters as well as sensitive documentation that was addresses to them. I asked that they put my disputes in over the phone. They advised me if I wanted to send supporting documentation to be attached to send it by mail as that is the only option available to me so I sent a copy of my ID and social security card again.I called 3 weeks later to follow up they told me they did not receive my documentation and for a 3rd time and nothing has been done about the negative accounts. I have sent several copies of my personal information to the credit bureaus and they continuously state that they do not receive letters yet advise consumers to do so.
Consumer complaint received 2019-02-28
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. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2017-07-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (AL)

I borrowed money from XXXX XXXX XXXX, the sum of {$450.00} sense that time I loss my job and they new this. They called me several times and I told them my income had dropped tremendously but they kept calling me. Then they started running a check through my account every night until the bank closed my account. I paid out more than {$400.00} in over draft fees which could have been their money but they ran a check through my account every night until I have no account now. I did n't know that my account had been turned over to a collection agency until today when I received a notice from the XXXX. It stated that XXXX XXXX XXXX had turn my account over to National Credit Adjusters. I have been receiving a lot of calls from credit adjusters over the pass couple of months they call me at lease 3-4 times a week. They ask me for personal information such as my Social Security Number and my birth date and I refuse to give that information. We were told by the Federal Government not to give out personal Information over the phone because you never know who you are speaking with on the other end of the phone. I refuse to give out that information. National Credit Adjusters refused to give me their address instead they started asking me a lot of questions, all I wanted was the address from them and they refused to give it to me instead they asking me a lot of questions.
Consumer complaint received 2017-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had applied for a card to help  my credit score to possibly get a house one da y, well it wo n't happen with this company! I was denied ... Not sure how because I read what you need to have to qualify and I was in those limits. on  XXXX   XXXX   XXXX  I receive a letter with WRONG date (  XXXX   XXXX   ) s ee attachment and with this explanation : " Based on your application information, there is legal action pending against the applicant '' Actually my credits report show that I have closed all credit card with them in very good terms. For some reason they have incorrect information about me. I have very good credit with  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and with my credit union  XXXX   XXXX   XXXX  with limits of  XXXX  and Up.
Consumer complaint received 2023-04-16
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)

AS OF XX/XX/2023 I HAVE FRAUD ACCOUNT ON MY CREDIT REPORT ACCOUNT NAME- XXXX XXXX  ACCOUNT # - XXXX BALANCE UPDATED- XXXX ACCOUNT TYPE- SECURED CARD STATUS- Account charged off. {$280.00} written off. {$280.00} past due as of XX/XX/2023 STATUS UPDATED- XXXX LAST PAYMENT- XXXX PAST DUE XXXX $ HIGHEST BALANCE- XXXX $ Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number- ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUND FOR REMOVAL " FAIRS CARE ACT '' 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2022-02-16
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. (MI)

Hi I am submitting this XXXX XXXX without 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 XXXX  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 XXXX 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
Consumer complaint received 2023-04-16
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. (NY)

as of XX/XX/XXXX i have noticed fraud account ACCOUNT NAME- XXXX  XXXX ACCOUNT # XXXX XXXX DATE OPENED- XXXX ACCOUNT TYPE- CHARGE CARD STATUS-Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX. 
STATUS UPDATEDXXXX XXXX XXXX $ Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number-None provided INCOMPLETE ACCOUNT # IS GROUNDS FOR THIS FRAUD ACCOUNT TO BE REMOVED AND DELETED! 
15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2023-04-16
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: CNG FINANCIAL CORPORATION (CA)

In accordance with fair Credit Reporting act Axcess Financial accounts has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-05-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I bought a fixer upper and was convinced to use a XXXX Loan program by telling me false claims of the programs ability and features. The Mortgage officer lead me to believe I had to use a contractor off a supplied list and this gave the bank a special relationship to work with them concerning schedules, deadlines and any disputes, these were all lies. Now that I 'm XXXX years in to a project I was lead to believe would be 6 months or penalties would be assessed I have a unlivable home in need of XXXX in structural repairs to the new construction that was done incorrectly and another XXXX in new damages. The bank said good luck with that and they are n't going to help and they do n't have any resolutions and mitigation abilities as I was told.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (CA)

Hello there is a company, TrueAccord that is requesting payment for two charges. One is for XXXX XXXX in the amount of {$610.00} and the other is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$400.00}. I was the victim of identity theft in 2008, when my ID was either lost or stolen. Someone obtain my ID and wrote fraudulent checks under my name. At the time the checks were written, my ID had expired and both companies still accepted the checks without a valid ID. Almost 13 years later, I'm receiving collection emails for a debt that was a result of identity theft. I want this company to stop reaching out to me asking for money. I have worked really hard to keep my credit excellent and I don't want anything on my credit report to tarnish my name. TrueAccord and XXXX XXXX XXXX XXXX should be ashamed of themselves for going after someone that has been victimized.
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I was reviewing my credit report and disputed a negative collection that I was not aware of. The credit agency identified the company as Credit Collection Services and they sent me information regarding the original debt as being from XXXX XXXX. I contacted XXXX XXXX who identified the debt as being from XX/XX/XXXX in Maryland for a XX/XX/XXXX vehicle that I have never owned. I also was not a resident of Maryland in XX/XX/XXXX as I live in Florida. I have never used nor had any contracts with XXXX XXXX. XXXX suggested that I respond to Credit Collection Services disputing the account and they would have it removed. I have sent two request to Credit Collection Services and they continue to send me letters requesting payment and reporting the negative item on my credit report. Can someone ask Credit Collection Services to remove this from my credit file and stop trying to collect.
Consumer complaint received 2023-04-16
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. (CA)

In accordance with fair Credit Reporting act XXXX XXXX account has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Hello I had a loan serviced by Freedom Mortgage. They claimed to issue an XXXX refund of {$5600.00} on XX/XX/XXXX. I never received this payment. I called in early XXXX and was told that I would receive a replacement check by XX/XX/XXXX. I never received the check. I called on XX/XX/XXXX and was told they could not reissue the check since there is a new servicer, XXXX. Its not been almost XXXX months and I have not received my money and I keep getting bounced around with no line of sight of my money. I cant keep spending my time chasing this down
Consumer complaint received 2016-08-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX my subdivision had floods and affected XXXX of the houses. we could not get any one to buy our property so we put it on short-sale. The bank did not approve the sale and instead initiated a foreclosure sale on the property. in XXXX XXXX the property was fore-closed. later the XXXX mortgage was reported on our credit report as unsecured loan with each month reporting late. we have tried to resolve with the Bank but they have continued to say we owe them on the XXXX mortgage.
Consumer complaint received 2017-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (AR)

On XXXX XXXX 2017, I sent a certified debt validation letter to the company that that I believe to be known as AFNI, XXXX, and XXXX. I am not sure what the actual name of the company is because according to my credit reports, all of these names belong to the same company. I believe them to be headquartered out of a facility in XXXX, IL, per my credit report. Upon the receipt of my validation letter, the before mentioned company " flagged '' the account that was on my credit report as a " collection ''. Information was also altered. This was brought to my knowledge because of the alerts that I have on my credit report. They should not have done this. With this company taking this action they have violated a policy of The Fair Debt Collection Practices Act. According to the FDCPA they were supposed cease collection practices of this debt, which would include altering my credit reports, until satisfactory proof that I owe them this alleged debt was sent and received by me. This was not done so they are in direct violation of this policy.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Transunion ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Transunion ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Transunion ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Transunion ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-04-06
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)

For the past several months I have been disputing inaccurate information with XXXX, Equifax and XXXX on the following accounts with the following details : XXXX XXXX XXXX High balance Date of last activity Date opened Date of last payment Closed date XXXX XXXX XXXX High balance Date opened Date of last payment Closed date Date of last activity XXXX XXXX. XXXX Date opened High balance Date of last payment Date of last activity Closed date All three bureaus claimed they verified the information is accurate, but one look at my attached credit report shows several inaccuracies regarding these items still exist.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct these erroneous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Date XXXX Balance : {$2400.00}, XXXX XXXX Date XXXX Balance : {$9700.00}
Consumer complaint received 2019-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with accounts listed under Wakefield & Associates. I requested a validation on XX/XX/2019 as these were accounts that I did not recognize but should have been covered in full by insurance/Medicaid. I reviewed my credit report again on XX/XX/2019 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me and not being paid and in fact received a notice that the accounts would be removed. I do not believe the accounts belong to me as it should have been paid by insurance/Medicaid nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct and that the charge is not covered in full by insurance/Medicaid.
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  accounts XXXX # XXXX DEPT OF EDUCATION/XXXX, # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.