davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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. (NY)

In accordance of the Fair Credit reporting act. This list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account 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 without my written 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency make any consumer report containing any 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2018-02-07
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: JPMORGAN CHASE & CO. (NY)

There are 4 accounts on my credit report that i have never opened cor applied for credit with.

I contacted the companies ( chase, XXXX  XXXX & XXXX ) directly as well as XXXX  XXXX   amd XXXX. 

They have not removed this information from my report. I asked them for the documents and any copies that they have with my signiture and there was no answer. I want thia removed from my report these are fraudulent accounts that were opened.
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OR)

NewRez/Shellpoint Mortgage took over my loan in XX/XX/2019 from bankrupt XXXX. They claim missing payments for either XXXX / XXXX, reporting me as delinquent even after I submitted proofs of payment during the transition months of XXXX, XXXX and XXXX. I reported them to the XXXX XXXX XXXX, but they insist I'm defaulting even after I submitted another six months of payment details. I called the company again, leaving a message but have not heard back. I need help, please!!!
Consumer complaint received 2018-02-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P. (SC)

Hello,  I am filing this complaint today because I have tried to reach out to XXXX XXXX XXXX XXXX several times to verified a debt that is listed on my credit report in the amount of XXXX from LTD Financial Services,  I have yet been unable to reach XXXX XXXX since XX/XX/2017.   I have know contract with LTD Financial Service and would like to verified this account with XXXX XXXX .
Consumer complaint received 2021-11-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Im filing a complaint in regards to fraudulent activity/information on my reporting on my credit report. XXXX XXXX with account number XXXX does not belong to me. PORTFOLIO RC ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) reporting on XXXX and XXXX does not belong to me. PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) on XXXX and XXXX doesn't belong to me and lastly, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX doesn't belong to me as well.
Consumer complaint received 2021-11-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Im filing a complaint in regards to fraudulent activity/information on my reporting on my credit report. XXXX XXXX with account number XXXX does not belong to me. PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) reporting on XXXX and XXXX does not belong to me. PORTFOLIO RC ( Original Creditor : XXXXXXXX XXXX XXXX ) on XXXX and XXXX doesn't belong to me and lastly, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX doesn't belong to me as well.
Consumer complaint received 2018-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (TX)

Dear Sir/Madam : PERFECTION COLLECTION has placed a debt in my credit report with XXXX. I know nothing of this debt and called them to state the same. They would not explain, but said it was from an old debt to " XXXX  '' and refused to remove it from my credit report. I owe no money to XXXX  and have not seen any evidence from this collector that I do. 

I then diputed the debt with XXXX  twice and they have refused to remove the entry from my credit report. This is identity theft, and I want to know how this collector got my ssn. Did they get my ssn from the XXXX  data breach? Neither the collector nor XXXX  is willing to explain this and remove this entry. Please help. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-11
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: OneMain Finance Corporation (TX)

Someone stole my wallet with my social security card and ID. They have now tried to open XXXX accounts in my name. Luckily I have frozen my credit and reported fraud to all three bureaus, but now I am reporting to the FTC as well. Just to cover all of my bases.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I sent a dispute letter to the all credit bureaus XXXX, Transunion, XXXX regarding the following accounts. 
XXXX XXXX/ XXXX XXXX- this is not my account- {$4900.00} - XXXX XXXX this is not my account- {$11000.00} - XXXX XXXX this is not my account- {$9600.00}
Consumer complaint received 2020-01-23
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. (AR)

Since XX/XX/2019, I have sent several certified dispute letters to the Equifax consumer reporting agency in regard to several ; accounts reporting on my credit file that was opened due to identity theft. Equifax has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act. In addition, Equifax has failed to place a block as per the FCRA Section 605b in regard to the fraudulent items that are in question. OnXX/XX/XXXX at XXXX XXXX  tracking ( XXXX ) was one of several letters received from Equifax on my behalf. It has been 6 months and Equifax still has yet to provide any supporting correspondence or documentation in regard to any of the dispute letters they received on my behalf.
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (LA)

I already have disputed this account multiple times for the last 6 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Consumer complaint received 2024-03-03
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. (TX)

What happened is that I'm about to file a XXXX discrimination lawsuit against Equifax. 
At this point I'm just filing complaints and saving all of this information for when I sue Equifax. I am XXXX American and every time I fix my credit and it should go up. Equifax sabotage my account and drops my credit score. I have saved and have all documents that I need. They will not remove these inquiries from my credit profile after it has been disputed as fraud. and they intentionally removed my credit card to drop my score. I never disputed my credit card to be removed or nor did I tell them to remove my credit card from XXXX XXXX. They told me to contact them to have them add it to my report but they are the ones that removed it! and also they aren't willing to put it back on my credit report. Also they said it was Experian fault that it was removed. & even on top of that they didn't notify my of this. Why would XXXX tell you to remove a credit account that had perfect credit history and {$0.00} balance.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (IN)

In mid XX/XX/XXXX I had somebody try to cash XXXX checks on my account which was a fraud, when I learned of these transactions I went to my PNC Bank in person they informed me that my account had been compromised so they could open me a new account an transfer my balance of {$21000.00} to my new account and close my old account I agreed. The balance of {$21000.00} from my old account they closed was never transferred into my new account. Then within XXXX week someone tried to commit fraud on new account, I went to PNC Bank to notify them and to see what & why this kept happening to my accounts considering no one had access to any of my account information an I also specified to the bank not to do any ACH from my account for any reason unless I authorize it. So they closed my account for the second time an opened me another account for the third time. My {$21000.00} was still not put in my account & they also processed XXXX ACH transactions on my account on XX/XX/XXXX. 

XX/XX/XXXX - {$2200.00}, XX/XX/XXXX - {$3100.00}, XX/XX/XXXX - {$4800.00} XX/XX/XXXX - {$6300.00}, XX/XX/XXXX - {$7200.00} Total : {$23000.00} From XX/XX/XXXX ( to ) XX/XX/XXXX my account is missing {$44000.00} an when I recently went in to the PNC Bank an spoke to the manager there XXXX XXXX only thing they would tell me is there's nothing they can do, I can't receive my money back, and it was my fault because I should have checked my account daily.
Consumer complaint received 2018-02-07
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. (NC)

On XX/XX/2018 I contacted Experian to update the contact number on my credit report, under the fair credit reporting act it states that consumer reporting agencies must correct unverifiable and inaccurate information. This was stated on a recorded line at XXXX XXXX  EST with call center supervisor XXXX from XXXX XXXX. I verified myself and provided a report number and she was unwilling to assist.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I cosigned for my daughter for a vehicle on XX/XX/XXXX through XXXX XXXX. Vehicle was XXXX XXXX XXXX ( used, ) when vehicle was paid off we received all documentation stating that it is paid in full they released the title we have all documentation from the company that provide those statements. However it continued to be reported to the credit bureaus on my account as well as my daughters account when I went to dispute it through the credit bureaus, XXXX XXXX sent a document stating they needed more proof in regards to this matter which therefore I submitted copies of the statements received stating accountants paid in full receiving title account is closed, after that I then received from the company a letter indicating that that is correct and they will remove it from the credit bureaus which they have and then put it back on and keep on reporting it till this current date have reached out numerous of times it is not being resolved my daughter is trying to get her account cleared through XXXX XXXX  we have submitted a complaint to the attorney general but may have to seek for a debt attorney do not know how to get this removed when they are constantly changing information to the credit bureaus in regards to this manner. Has impacted both credit scores tremendously
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

these items, and that the inaccurate items be deleted from my record. 
These accounts are showing on XXXX ; Equifax and XXXX Item Number Company Name Account Number Comments 1. XXXX  XXXX XXXX Charge Off 2. XXXX  XXXX XXXX Charge Off 3. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Charge Off 5. XXXX XXXX XXXX XXXXXXXX Charge Off 6. XXXX  XXXX XXXX  XXXX Charge Off 7. XXXX & XXXX XXXX XXXX
Consumer complaint received 2021-11-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (OH)

Just wanted to share a story- I have a private loan with American Education Services from way back in XXXX. In the last 10 years of consistent repayment, I have now paid {$7200.00} on a {$6200.00} loan. According to AES, I still owe {$6200.00} - which is more than my original loan even was. How is this remotely right? They've got their money back plus {$1000.00} - are there advocates for student borrowers like me?
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX # XXXX is reporting a late on my account that I should not have. I never received a notice and they are not even reporting a date for the late to my credit, just that I have one. I have never been late on this account and have made all my payments on time, I never received a notice for this and only found out when I got my credit pulled, it does not even show the late date. This is erroneous and needs to be removed.
Consumer complaint received 2020-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

XX/XX/2020 XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Loan number - XXXX Good morning, We're reaching out to you, unfortunately once again, in an effort to ask for your assistance with resolving our dealings with Bayview Loan Servicing. We have been actively and honestly engaged with them since XX/XX/XXXX and our situation has not progressed forward in the very least. 

This file is currently assigned to - XXXX XXXX XXXX XXXX and since the beginning of XXXX, we've tried to reach him 35 times, via phone, and 9 times directly via email. To date, he has returned a total of 4 of those calls. 

It's clear that, either XXXX is unfit for the position that he currently holds or Bayview is intentionally delaying this process. As you can see by the notes that we've taken, their stories have gone from - 'you didn't meet the 37 day prior to sale submission requirement ' to 'we 're going to review this as an Exception and review you for a Streamlined Modification ' to 'we need you to resubmit ALL documentation again ' ( Streamline Modifications require minimal documentation ) to the most recent request - 'we now need updated financial information. ' We're asking you to step in and demand an explanation as to why this has been going on for so long, as well as, we're also asking Bayview to re-evaluate Mr . XXXX ' abilitiy to perform the job that he's been tasked with. If this is happening with us, most assuredly, it's happening to dozens of other homeowners.

We would also like this file to be escalated at Bayview and reassigned to a more competent point of contact. If Bayview doesn't reevaluate Mr. XXXX and his ability to perform at the highest level, it would be a further indictment as to the quality of service that they're dedicated to providing Homeowners. 

I'm available to answer any questions for you at the following number. 

Thank you for your assistance with this! 

XXXX XXXX XXXX
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XX/XX/2019, {$14000.00}, XXXX XXXX XXXXXXXX XXXX - States that I have been paying on this account sence XXXX till this present date and the amount has not ajusted. The account also state that I have been late for 90 days in ONE month, the of XX/XX/2019. The monthly payment is inacurrate also. I have attach copies for proof.
Consumer complaint received 2020-01-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weber & Olcese, PLC (MI)

The is a debt collector for XXXX XXXX XXXX, XXXX and is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is violating the Truth and Lending act and has not sufficiently established that it is the owner of the alleged debt The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached a letter to have this debt verified on my verification letter dated XX/XX/2020, again.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC (FL)

I have been trying to get information corrected on my credit bureau report with XXXX  and XXXX. Capio Partners of XXXX Texas are reporting a medical bill dating back to XXXX of 2014 as a new account.
Consumer complaint received 2022-07-20
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LendKey Technologies, Inc. (VA)

I am the cosigner. The options given on previous page, don't cover my problem. I contacted Lendkey Default Prevention Department on XX/XX/XXXX regarding a private student loan that my daughter let lapse years ago, wanting to know how to get the loan up to date. On XX/XX/XXXX they responded that the loan was returned to the lender ( XXXX XXXX XXXX XXXX ), every since that day I have been given the run around between Lendkey and XXXX. Lendkey then emails me on XX/XX/XXXX stating that the loan is being transferred to XXXX XXXX on XX/XX/XXXX. I telephoned XXXX XXXX XX/XX/XXXX and was told that they do not have the account. Just last week I called XXXX again and was told they had received the account, but it was then recalled by Lendkey due to the fact that no payment had been made in years. Today, XX/XX/XXXX, Lendkey is again saying they sent the account to XXXX. 

I don't know what to do, this loan is affecting my ability to purchase a home because it is showing on my credit as late. Please, please help me. I haven't been able to find anything on line that mentions my situation and who to contact. 

The unprofessionalism is unreal, for a company that collects monies to lose or misplace an account is sad.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I am writing to file a complaint against XXXX, XXXX, and Equifax regarding issues related to the verification of identity for a fraud alert placed on my credit reports. 

1. Verification Questions : Both XXXX and XXXX have failed to provide valid verification questions or questions that match the information on file. This has resulted in difficulties in verifying my identity and accessing my credit reports securely. 
2. Phone Number Update : Despite multiple requests, the phone number associated with the fraud alert has not been updated with the bureaus for verification purposes. This has led to further complications in the verification process. 
3. Inability to Temporarily Remove Fraud Alert : All three bureaus, but primarily XXXX and XXXX, have been unable to temporarily remove the inaccurate fraud alert placed on my credit report. This has resulted in delays, denials, or conditional approvals for various financial transactions and applications. 
4. Equifax Identification Software Issues : Equifaxs identification software has failed to verify my identity accurately, leading to delays, denials, or conditional approvals similar to those experienced with XXXX and XXXX.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (MN)

BMO Harris Bank is discriminating against me by refusing to approve me for and open up a checking account for me because of my race, me being an XXXX. I have applied for a checking account with BMO Harris Bank numerous times, and each time, I was denied to open a checking account due to my race and me being XXXX. BMO Harris Bank is violating the Equal Credit Opportunity Act ( ECOA ) under Federal law 15.U.S.C. 1981.