davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Upon reviewing my current credit report from your bureau, I came across the disputed items, and I don't think they are 100 % correct. Please investigate and correct the unlawful behavior immediately. 
Below are the list of the Items : XXXX XXXX XXXX XXXX XXXXXXXX ***** Opened XX/XX/XXXX Balance {$1700.00} ) This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to 0 or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. My request to render these records is seen as a standard information inquiry based on my rights given from the fair credit billing act. If you can't provide these details per my civil rights request, give pleasure to straightaway eliminate this kind of incorrect entry. 
( XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX {$0.00} ) Evaluate this reporting by making a revision of the information provided. There is an existing balance on the account, and indicates that it was a charge off account? Modify and perform any corrections or withdraw this from my personal file. 
( XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Opened XX/XX/XXXX Balance {$3400.00} ) This company is attempting to collect on an out of statute debt. This is against the law, per the Fair Debt Collection Practices Act. Perhaps that doesnt matter to you, but it matters to me. In addition, this company has chosen to illegally add fees, clearly in noncompliance with the Fair Debt Collection Practices Act. Please provide proof that this account belongs to me along with documentation stating your FCC clearance and that you have not abrogated my rights in reporting this debt
Consumer complaint received 2018-02-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (FL)

My mortgage company is Franklin American Mortgage. During the time of Hurricane Irma, XX/XX/XXXX and XX/XX/XXXX, Franklin American Mortgage contacted me in regards to having 3 months of deferred payments to help with the natural disaster I was going through. I was also told that those payments would be added to the end of my loan essentially making it 3 months longer than it initially was. I was ok with the idea of this as the hurricane did cause a difficult financial time with my family. They had told me my payments wouldn't be due until XX/XX/XXXX. I contact them in XX/XX/XXXX because I can no longer access my account online to make my payments like I always had in the past. The guy I spoke to informs me that is because of having the deferred payments from the natural disaster and takes my payment by phone. He then informs me that I have 3 options for repayment. This was shocking as this wasn't mentioned to me at the time they offered the deferred payments initially. I was then also informed I would have to " qualify '' for certain repayment options. He asked me to send over my most recent XXXX and Bank statement for XX/XX/XXXX. I did as he asked within 30 minutes of getting off the phone with him. He said they would need those in order to start the process of adding these to the end of my loan. After a week with no response from them I assume all is well. I receive a letter in the mail stating my mortgage is in default status due to the 3 months of " missed '' payments. I contact them and after a very long hold, reach someone who tells me the same information about there being 3 different payment options. I told her I had already submitted this information to someone before and that it should be taken care of. She then informs me that I was not approved for that program. Shocked, I asked why? She stated she wasn't able to see any of the reasons that I wasn't approved, was just able to tell me that I wasn't approved. She said I could pay the XXXX XXXX dollars all right now, or go through a 45 minute to 1 hour interview which would allow them to determine if I qualified for paying half immediately and the remaining over a 2 month period on top of my normal mortgage payment. This whole process was an offer they extended to me initially with no mention of anything other than it would be added to the end of my loan. They made it sound like they were actually trying to be helpful when in all actuality, it seemed they had some predatory lending tricks in mind. I haven't called back to speak for this interview as either of my remaining " 2 '' options are not adequate for me at all. Had I known it was going to be like this, I would have just found a way to continue paying them throughout the natural disaster. Please help me as this was not at all properly disclosed or in any way to help or benefit customer 's like myself.
Consumer complaint received 2018-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Talbot, Adams, & Moore, Inc. (TX)

I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I have disputed these accounts and the only account remaining is this debt collection account. I have attached a copy of the police report to this dispute. I never did any business with the original creditor " XXXX XXXX ''. I never had any accounts with this company nor do I owe them any money.
Consumer complaint received 2020-11-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XX/XX/XXXX, I filed Chapter XXXX Bankruptcy. At that time, I had a Bank of America credit card XXXX that was issued on XX/XX/XXXX. After I filed bankruptcy, Bank of America showed the account delinquent in XX/XX/XXXX. See attached exhibit showing XX/XX/XXXX date of first delinquency. 

Bank of America then closed the account and re-issued the card with a new account number XXXX separating that account from the Chapter XXXX petition. Then, since they were not receiving payments from the bankruptcy trustee, they showed the account delinquent in XX/XX/XXXX. 

These two card numbers are the same account and therefore both should should show a XX/XX/XXXX date of first delinquency, which will be removed from my credit report on XX/XX/XXXX. 

I disputed this information with XXXX, but the dispute results stated " consumer dispute not specific '' even though I checked the box that designated an error on the date of first delinquency and provided a detailed statement to the credit bureau.
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: C.Tech Collections, Inc. (NJ)

I became aware of a six year old or so debt by credit reporting agency. I dont believe I owed any money. I contacted collection agency on Monday to obtain detail information and to resolve the matter. I requested they send me information on the debt, where were the services rendered, by whom, amount owed, date of service and if processed by insurance. Collector said they had it on there screen and would not send me the information but gave me a phone number for the healthcare provider. Collector said I had to pay balance in full to have it removed from my credit. Per FDCPA rules they are obligated to verify the debt, this collector refused to do so. I have a right to know. 

Ive reached out to multiple providers in an effort to get details and have been unsuccessful. To date the collector refused to prove me with any details regarding this alleged debt, if they represent the original creditor or not, nor has any other provider been able to provide me any details associated with this alleged debt. Ive been given the run around ona debt I dont believe is even collectible 6years later.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 Equifax XXXX XXXX XX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-02
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: Global Lending Services LLC (OK)

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. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 

ITS A CHARGE OFF ALREADY PLLEASE STOP REPORTING XXXX XXXX ACCT # XXXX
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (FL)

I have sent in my identity theft report several times to XXXX Equifax and XXXX asking them to block and remove these fraudulent accounts of XXXX XXXXXXXX XXXX XXXX- XXXX. XXXX and XXXX XXXX- XXXX. These is in violation with us code 1681c 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (TX)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy. 

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

15 usc 1666b : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC XXXX regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2021-01-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA (GA)

Hello i have been speaking with the crewditors and they have not removed this off my report and this is something im scared i wont be able to get help with they will not remove this information i did not apply for these and i did not sign or use my signature.
Consumer complaint received 2018-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .the accounts listed on my credit file as follows XXXX /XXXX, XXXX XXXX , XXXX XXXX. I also am a victim of the XXXX  and XXXX data breach. State issued ID have been compromised and my social security has been compromised. I have filed a report with the FTC listing and stating the above named accounts as fraud. 
I am not responsible for any charges made to these mentioned account.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act. Experian, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

These addresses do not belong on my credit report. 

XXXX CT XXXX, MD XXXX My name on the report was spelled XXXX XXXX. which is incorrect, please remove it.
Consumer complaint received 2022-01-11
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: WELLS FARGO & COMPANY (PA)

I recently pulled my XXXX Credit report and has been going back in forth with them disputing fraudulent accounts that they are reporting. The following accounts do not belong to me ; XXXX XXXX XXXX XXXX ( fraudulent charge off account ) XXXX XXXX XXXX  XXXX ( fraudulent collections account ) XXXX XXXXXXXX XXXX  XXXX ( fraudulent credit card ) I have never done business with the creditors or originators of these debts. I have supplied XXXX and these creditors with supporting information and still to date I have not received any mail or phone correspondences. 

I have asked XXXX numerous times to provide me with the proof they have to verifies these debts belonging to me, and they have failed to do so ...... 

Also XXXX has my name spelled wrong on my credit report so how did they even verify these debts belong to me .... please see all uploads
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MN)

I was charged {$26.00} for credit monitoring when I requested my credit report from Experian on XX/XX/2020, I was given the impression that my credit card would not be charged and that they only needed a credit card for verification of identity. I did this request from Experians website and only requested a credit report not monitoring. There was no confirmation email about being charged for a membership and I didn't notice the charged until I looked at my bank account on XX/XX/2020. I never checked any box for a Experian CreditWorks Premium membership. I called Experian and was told that they don't refund memberships. I understand that its only a {$26.00} charge but Experian needs to be clear as to what they are doing with the credit card info and not trying to charged consumers for services they did not request. Consumers need to be able to trust a credit bureau they are suppose to be neutral and honest.
Consumer complaint received 2021-01-28
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: DISCOVER BANK (IL)

Someone stole my identity and received a Discover card in XXXX. Discover initially reported it as fraud and it was removed from my credit, but in XXXX they recanted and began reporting the debt again as valid which is 3 years after the dispute period and the period for providing proof under the fair credit reporting act. I have had a XXXX XXXX  from being stressed over this fraudulent account. It is reporting on my XXXX  credit report. This is drastically affecting my credit.
Consumer complaint received 2021-11-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Hey on XX/XX/2021, I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

We have called several times the company directly to try and fix the information being reported to the credit but each time we tried to work with them the problem got worse and it seemed they were just un-willing to work with me to fix it. I have been working on this for the last 3 months to see what i could do to resolve any issues that existed including making additional payments if necessary to fix it. But no co-operation from them.
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (TX)

Have not been late on the account since XX/XX/2013 yet XXXX XXXX XXXX is still reporting late payments. Used a credit repair services, which did help in removing many false line items on my credit reports. However, unsuccessful in removing or changing derogatory items from XXXX XXXX XXXX.
Consumer complaint received 2022-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC (TN)

XXXX XXXX has a collection on my account that I don't owe for the amount of XXXX. The salesperson committed fraud to get me signed up for an alarm system. I did not own the house and the owner of the property did not give me permission to put an alarm system in the house. The salesperson ran the owner name and my name and got me approved for a system. The salesperson would not give up and if you notice XXXX XXXX name is on the paper and he didnt give permission or signed any forms for the alarm system and it on that person credit as well. My credit was good enough and it was not my property to decide if an alarm can be placed so I don't owe the XXXX. Shady salesman.
Consumer complaint received 2020-01-23
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (TN)

Our payment for XXXX and XXXX was made on XX/XX/2019. We understand that our XXXX payment was 30 days late, but our XXXX payment was not. I called on XX/XX/2019 and spoke with XXXX ( when asked for a call reference number, I was told they don't provide call reference numbers ). She verified that the XXXX reporting was their error. She instructed me to email their credit reporting department to notify them so it could be corrected. I received a letter, notifying us that the reported information is accurate. I have printed off our payment record directly from the mortgage company showing it was paid on XX/XX/2019. I am attaching that documentation.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I cancelled my credit card with XXXX XXXX XXXX card by Citi in 2nd week of XX/XX/XXXX as I got a very suspicous call from Citibank that I think is very intrusive. They are asking how I made my payments and where the payments are from. 
. Because of the cancellation, they are forfeiting my 2017 money rewards of {$420.00} which I earned already before the cancellation. There was a misunderstanding and they are insisting that I agreed to forfeit the {$420.00}. 

When I requested reinstatement, they insist i have to do application like a brand new applicant and I would forfeit my {$420.00} rewards anyway.