davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
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: Experian Information Solutions Inc. (AL)

I have made several attempts with the following credit bureaus : XXXX XXXX, Experian all in certified-mail format. Enclosed were detailed information about inquiries, erroneous information and XXXX XXXX XXXX when they have received a judgment against them for defrauding consumers with these credit bureaus will not remove this information from my credit profile. An addition to all the inquiries I challenged as inaccurate information. I have disputed them numerous times on their websites and by certified mail. I am reaching out to get this matter resolved ASAP so as to improve my quality of life and receive the credit I have deserved and earned.
Consumer complaint received 2021-04-02
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: DISCOVER BANK (IL)

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XX/XX/ DISCOVER, XXXX, XXXX, XXXX
Consumer complaint received 2021-01-25
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. (NV)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I want this removed ASAP!
Consumer complaint received 2017-09-15
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. (MI)

Equifax were negligent in their data security protocols and have subsequently opened myself and 143 million others up to identity fraud and theft, costing those affected as well as the American government untold millions possibly billions.
Consumer complaint received 2020-05-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (NJ)

I was contacted by XXXX XXXX from First Federal Credit Control on multiple occasions, and each time we spoke I told her I was planning on paying a particular Medical bill if I owed it. I have previously been contacted by a debt collector about a medical bill I didn't owe, so I told her I wanted to look into the matter and would pay the bill I in fact owed it. There are three different medical bills from this date of service, and I was under the impression that I had paid them all. 

I have no problem paying, and I told her as much. I've merely been busy with work and what I thought was likely another harassing call from a debt collector about a bill I did not in fact owe was not high on my priority list. 

XXXX called on multiple occasions, including today, on XX/XX/XXXX, when I tried to get more information, and each time we spoke on the phone, she threatened my credit despite me clearly expressing my intent to pay the bill. 

Then, knowing full well I intended to pay the bill if it was owed, she followed through on the threat and reported bill to credit reporting agencies to damage my credit out of spite ( again knowing full well I expressed that I would pay the bill to the doctor directly instead of to her and her predatory credit agency ). 

I spoke to the doctor 's office today and initially they were confused as well, saying I didn't owe the bill, but should call the billing department. I spoke to the billing department, and found out that the bill was in fact outstanding. Consequently, I paid the bill immediately and in full to the doctor 's office.
Consumer complaint received 2019-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NM)

My house is broken into in XX/XX/2002 my identity purse was stolen I noticed on my credit report there was different false accounts that was not mine due to Identity theft. There's a collection on there from XXXX XXXX XXXX  I tried to reach out to Midland funding to let them know this was identity theft they didn't care they kept telling me I needed to pay this.I paid some of these smaller things that I'm not paying anymore I've already spent {$4000.00} trying to clear up my report.I don't feel as a victim I should have to keep defending myself against these companies. I have sent XXXX  XXXX my police report my FTC report and still nothing I would like this off of my credit bureaus all three of them it's hurting my credit.I 've spoken to Midland funding over and over letting him know this was not mine they don't care they are very nasty company
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (DC)

Ally Financial is currently reporting " late payment '' status ' for the months of XXXXXXXX XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX, and XXXX. This reporting is adversely affecting my livelihood, reputation, and creditworthiness. Ally Financial is in violation of : * The Heros Act ( Section110401 ) Negative Consumer credit reporting during the COVID-19 pandemic plus an additional 120 days to ensure innocent consumers effected by the significant economic harm of the COVID-19 Pandemic are held harmless and do not suffer further damage by having late or missed payments ruin their consumer credit report and reduce credit scores. 

*15 USC 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions ; transactions or experiences between the consumer and the person making the report are to be excluded from the consumer report whether or not they factually took place *15 USC 1666b ( a ) Timing of payments ; payments may not be treated as late for any purpose
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

So on the XXXX of XXXX, I had a family member log into my account to deposit my PayPal balance to their bank account as I am not a US citizen and they are. From that point onward I have been trying to make payments on XXXX using my PayPal balance and there is a restriction on my account that I had never been notified of. They simply won't allow me to use that money to make a purchase so that money is basically sitting in my account useless. They also won't allow me to make payments using the cards attached to my account. I have tried reaching out to their customer service but they have kept giving me the runaround and have been very rude and smug in the process. The matter is very urgent and I need to be able to use my money asap. I really thought PayPal was a reputable company but this experience has proven me wrong.
Consumer complaint received 2021-04-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XX/XX/XXXX - XXXX XXXX, XX/XX/2021XX/XX/XXXX - BK OF AMER, XXXX, XXXX, 2021 - XXXX, XXXX, XXXX, 2021
Consumer complaint received 2017-09-15
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. (CA)

Please remove these Credit Inquires from my report immediately. 


1. XXXX XXXX XX/XX/2017 .. 2XXXX XXXX XXXXXX/XX/2017 3, XXXX XXXX XXXX XXXX  XX/XX/2017 ..
4 XXXX XX/XX/2017 3., 5. XXXX XXXX XXXX XX/XX/2017
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: First Data Corporation (OH)

I have had a prepaid account with this company for more that 5 years, I have never had an issue until, someone tried to steal money from out of my account.. The company placed a fraud hold on my account holding up the money that was stolen and my direct deposit.. My card was canceled so I am unable to access any of my paycheck. THis happened on X/X/17. I have been going round and round with this company to release my money. I have changed my banking information so future checks will never go into this account=, However every rep that I speak to tells me the same thing and still I have not gotten any closer to getting my money. I was told to send a dispute form in, Did that, I was told to write a letter asking for my account to be closed, did that .. Each time I call they tell me to wait another 7-10 days.. THis is my paycheck.. I live check to check.., This issue has caused me to lose my car, because I was suppose to make payment on it ... My rent is late,, MY electric I have to borrow money to pay that, My car insurance is lapsed, my gas, cell phone and water is now late/ ... I have credit card bills coming up.. All I want is this company to send my money that is MINE to me ... I keep being told 7-10 days just to wait on my own personal money.. I asked if the money could be wired into my Credit union account and I was told no.. I can not afford to wait any longer.. I have no food, no way to get back and forth to work and I keep being told 7-10 days.. Each person I speak with english is not a primary language, so the next barrier is understanding these customer service reps. Each call I 'm on hold 20 minutes to an hour and I spend at least 2 hours on the phone with little to no results. I WILL NEVER DO BUSINESS WITH THIS COMPANY AGAIN ... .. Worse procedures for theft or fraud ever.. this company has set me so far back on my bills. Today I have spoken with a supervisor name XXXX.. WHo just told me I needed to wait another 7-10 Business days for a CBR that was on X/XX/17 at XXXX HE mentioned that whoever i spoke with before did not do what they was suppose to do,,, SO now I still have to wait even longer. THe intinal complaint was sent on X/X/17 and another sent on *X/XX/17
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-09-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

Early in the year, I called for Mortgage Insurance removal, and spoke with a representative. They advised they would need to send a removal packet in the mail. What I received was an informational packet with a number to call to remove PMI. I called again and requested to be transferred to the PMI department. I was advised that Citizens does not have a mortgage insurance department, and again a packet would be sent in the mail. It has been a month, and no packet has been received. With the additional principal I have been paying, and the comparable prices in my neighborhood being up 31 % ( per their website ), I should qualify for PMI removal. I am requesting to immediately start the process for PMI removal, and XXXX  to Credit towards my Principal the amounts paid towards PMI since my initial phone call.
Consumer complaint received 2021-04-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (AR)

1st telephone contact concerning my not owing this debtXXXX XXXX CCC USA ( Credit Collection Services ) acknowledged my response and ceased.

Noticed XX/XX/2021 this paid debt turned up on my XXXX credit report. I disputed the information, it was investigated and removed. XX/XX/2021, the same paid debt was now placed on my XXXX Credit report and I received a letter from CCC USA AND PHONE CALLS BEGAN OFFERING THAT I WAS BEING OFFERED A 50 % DISCOUNT OPPORTUNITY TO RESOLVE THE ACCOUNT. 
Needless to say I was and am still livid. 
Contacted a very nice representative Ms XXXX. I asked who and when did they buy this false information and was told that they are the same company that had the account originally and it was they who had removed the debt from my TransUnion Credit Report and they then put the debt on my Experian. I said that moving a known paid debt to another reporting company was illegal. She asked if I had proof of payment and I told her I had just had XXXX XXXXXXXX and would need a little while before I could get upstairs or get my daughter who works from home to find the papers for me. She gave me two days and a website. 
I agreed to try and get the papers. 
On Thursday, XX/XX/XXXX, today ; I tried to enter the forms to send my proof. 
Surprise! nothing listed on the site works properly EXCEPT TO ADD YOUR CREDIT INFORMATION TO PAY!! You can even scan the credit card but the system will not allow you to enter the date you claim you made your payment, photos of documents will not upload in any form. Everything is rejected as having a virus. 
This is scumming the bottom at its best! 
I made photos of every step trying to upload documentation and I recorded my screen. They know there are disabled people and all of us dont have copiers and fax machines in the house and if we did we would have to get to the mailbox just to prove for the upteenth time what they already know THE BILL WAS PAID. 
STOP THE HARASSMENT!
Consumer complaint received 2017-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clark County Collection Service (NV)

On X/XX/17 I received a phone call from a man, who said his name was XXXX. He demanded that I provide my personally identifying information to him but refused to tell what the call was in regards to. I advised him that I would not provide that information to a stranger on the phone. He said that he was calling me from Clark County Collection Services but continued to refuse to tell me what the matter was in regards. I told him that he was required to send me something in writing. He claimed that he did something and I told him that I never received it and that he needs to send it again. He refused and continued to try and ask for my information. He then proceeded to tell me to come to his office in person while still refusing to provide anything writing. I told him I was not going to his office and I wanted something in writing. He hung up on me. I sent the company an email and let them know that I was filing this complaint.
Consumer complaint received 2020-11-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I am confused and mad at the same time. I'm really trying to figure out how this bureau is even verifying anything on my report when it is clearly inaccurate!!! Its so inaccurate that XXXX  deleted these items!!! I've reached out several times to this bureau with no response on the investigation. The dates were XXXX, and XX/XX/2020. This is proof of more than 60 days since I sent my dispute when they are required to supply results in 30 days. Please make this bureau comply with the FCRA requirements.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I have had a card with Synchrony Bank for over a year. I got the card through XXXX. I bought doors on it and I had my bank on automatic payment to pay it off. I over paid and they sent me a check XX/XX/2022 with the overpayment. 

I just bought cabinets on the card on XX/XX/2022. I set up the payments for my bank to draft a monthly payment to them. I sent them a payment in XXXX and XXXX. In XXXX they tried 2 times to draft my bank for the full amount unbeknownst to me. I did not have the funds in that acct for the full payment of over XXXX. They immediately closed my account. I have reached out to them two times and the first time, the manager looked over my payments and said that she would send it to the board to review. I spoke with another manager yesterday and she told me too bad. It appears that the acct switched over to pay in full. I informed her this was a glitch on the computer programs and not mine. She could see that I was paying each month. She told me there is nothing that they could do. I informed her this would hurt my credit score and that I have good credit. She said there was nothing that I could do and that the account was closed. She also told me that I could open up another card. 

Please help me figure this out and repair my credit. I shouldn't be penalized for a glitch in their system.
Consumer complaint received 2021-09-10
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: Experian Information Solutions Inc. (TX)

They are not in compliance with continuing to report fraudulent, incomplete, and inaccurate information to my credit report. I have sent them multiple dispute letters and they have failed to perform a proper investigation as per FCRA guidelines! 
The below information needs to be removed from my credit report immediately! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to dispute the following information that appears on my Equifax XXXX and XXXX XXXX report : My credit report shows Hard inquiries that I never agreed to which need to be removed immediately without proof of my knowledge and agreeance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

After I file a complaint regarding Carrington Mortgage 's deceptive act to CFPB. Carrington Mortgage summoned a Court Order to me on XX/XX/XXXX, to foreclose on my Home. The actual Court Order is dated 2 months before the enforcement actions ordered on XXXX  on XX/XX/XXXX. Subsequently, my wife is leaving the property in fear of being homeless. Is that a legal Enforcement Action?