davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX account XXXX, In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2020-09-22
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. (MD)

On XX/XX/20, I received an email from XXXX  that my credit scored with Equifax had been reduced by 30 points. When I accessed Equifax, my entire auto loan with XXXX  had been removed and identified as paid. I submitted 4 emails and proof of the reporting to XXXX and asked them to fix this immediately because I am in the middle of a mortgage purchase. I received 4 automated responses to my emails. I finally called XXXX and the representative stated that " the credit bureaus are not telling me the truth, that they have NO reason to report my account as closed ''. I asked to speak to a manager but none were available so they sent me to a " consumer help line '' who told me that " this is a KNOWN problem and that it will take 45 days to update the reporting ''. Why is it that they are allowed to negatively effect my credit, which will DEFINITELY stop me from purchasing a home because the drop in my score will effect my interest rate ; but I have to wait FORTY-FIVE DAYS for them to fix what they XXXX  up? Why do I have to suffer for their mistake?
Consumer complaint received 2019-10-30
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: ONLINE Information Services, Inc. (IN)

I have a hard credit inquiry on my credit report with a company ( Online information services ) I have no business with. I called the company ( Online information services ) and they said they can not find my name or information in their system. So then how could they have made a hard inquiry on my report? Also they want me to pay to have more of my information shipped to them to dispute this claim when I dont think they should even my information in the first place!
Consumer complaint received 2019-10-30
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: CITIBANK, N.A. (TX)

I HAVE FILED WITH THE FTC,,,, I WRITTEN ALL 3 BUREAUS,,, I HAVE WRITTEN THIS CREDITOR ...
Consumer complaint received 2019-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

My card was stolen and there was a fraud check cashed on my account along with some unauthorized purchases. After seeing this I immediately called chase claim department and informed them of the situation. Chase froze my account and told me to open up a new one while they came to a solution. A week later chase reversed my claim saying I benefited from the purchases or fraud check. I tried to explain to chase that it would be impossible for me to make a atm transaction in XXXX XXXX while I attend school in XXXX Texas with no means of transportation. Now my total balance is XXXX + dollars money I have never had all at once. It will be impossible for me to pay this back along side the banks normal fees. Please help me in any way possible.
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

These accounts do not pertain to me at all. Please have them removed from my credit report. Please see below the list of accounts : 1. Identity Theft LVNV FUNDING LLC Account number : XXXX This is not mine. 

2. Identity Theft LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX This is not mine. 

3.Identity Theft XXXX.XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX Account number : XXXX This is not mine.
Consumer complaint received 2019-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AL)

I just got off the telephone with Fed Loan Services, and they informed me i was victim of a scam in XX/XX/XXXX, where a company tricked me into giving them my information and setting up a payment plan of {$19.00} a month. This month ( XX/XX/XXXX ) I began receiving emails from FedLoan about paying my account. I attempted to log in, and was unable to because my account had been created by a person that was not me. I knew this because A. The username was not something I have ever used. B. One security question asked about the name of my first niece, and I do not have any nieces. C. The second security question asked for my Mothers middle name which I should have gotten correct because I know that information, but instead was locked out of the account. I then proceeded to call FedLoan Services where they told me what happened, and then to file a complaint here with CFPB.
Consumer complaint received 2019-10-30
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. (TX)

I HAVE FILED WITH FTC, I HAVE WRITTEN ALL THREE BUREAUS, I HAVE WRITTEN THIS CREDITOR WHOM I DO NOT KNOW ... ..
Consumer complaint received 2023-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is not supposed to share my information to third party people/affiliates. These are clear violations of my federally protected consumer rights. 

Delete inaccurate accounts, delete inaccurate personal information and I want {$1000.00} per violation.
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pollack & Rosen, P.A. (FL)

I have tried, on multiple occasions, to get this issue resolved. While on Vacation back in 2019, I was a victim of Identity theft. I did not allow any charges of the disputed amount.
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2020-09-22
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: Radius Global Solutions LLC (GA)

I received numerous calls from Radius Global Solutions by phone and via mail. In speaking with their representatives by phone I advised them to give me proof of the debt, specifically because I didn't recognize the creditor they represented. On XX/XX/XXXX and XX/XX/XXXX, I received two letters from this Radius Global Solutions, enclosed are original bills from the healthcare providers who rendered services. The details included dates of services, CPT Codes, Description of service, the provider names and charges associated with the visits. 

On XX/XX/XXXX, I contacted Radius again advising them I have received the communication that detailed my visits and provided explanations of the origin of these debts. 

Radius advised me this debt has been sold to a third party, XXXX XXXX XXXX XXXX, XXXX and they were working on their behalf to resolve the debt. 

This is a violation of HIPAA Privacy Law. My medical information should not be shared without my permission to any third parties. I did not receive services from XXXX XXXX XXXX XXXX, XXXX nor Radius Global Solutions LLC and have no contractual obligation to them. The billing details including CPT codes and descriptions of services has been shared in violation of my rights. I have requested verbally that communication and collection efforts must immediately cease and this item be removed from my credit report. 

Radius Global Solutions LLC has a business affiliation with XXXX XXXX XXXX XXXX, XXXX. I have a contractual agreement to pay for services rendered to the original provider, XXXX XXXX XXXX XXXX, XXXX not to Radius Global Solutions, LLC or XXXX XXXX XXXX XXXX, XXXX. This debt was sold by the original creditor to XXXX XXXX XXXX XXXX, XXXX along with my health information. In order to collect the debt and validate it XXXX XXXX XXXX XXXX provided my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX sent my CPT Code information to Radius Global Solutions LLC via copy of the original invoice from XXXX XXXX XXXX XXXX, XXXX to prove the debt is valid. Radius Global Solutions LLC in turn forwarded the invoice directly to me enclosed with a letter responding to my inquiry on their letter head. At the time, XXXX XXXX XXXX XXXX, XXXX obtained my service invoice it revealed my CPT code and visit description, my patient privacy rights were violated. As previously stated I have an obligation to XXXX XXXX XXXX XXXX, XXXX for services rendered, not a third party affiliate. Furthermore XXXX XXXX XXXX XXXX, XXXX and Radius Global Solutions, LLC does not need my CPT code ( s ) to validate the debt. This information should have been redacted. However my copy of invoices does not show a redacted or hidden CPT code ( s ). This is a HIPAA violation.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

This is my third report towards XXXX. When my account was first opened in XXXX, 2016, I was uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of headache and anxiety as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that XXXX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as XXXX refused to help during the time they held my money without authorization.
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am very concerned because this company XXXX is sending me a bill that I do not recognize for the amount of {$500.00} with an account number # XXXX. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX. Their telephone number is ( XXXX ) XXXX. I think someone stole my information.
Consumer complaint received 2023-01-30
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$77.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$880.00}
Consumer complaint received 2022-08-11
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)

On XX/XX/2022, I sent a letter regarding inaccurate things on my credit report. In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I practiced my right to challenge questionable information that I have found on my personal credit report. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be XXXX promptly. I demand these accounts to be corrected/updated and the payment history as PAID, NEVER LATE immediately before legal action is taken due to the stress you caused me.
Consumer complaint received 2020-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WI)

I booked a vacation home through people named XXXX XXXX and XXXX XXXX on XX/XX/2020 for {$1700.00} and it ended up being a total scam. I had numerous email conversions with this person and i even looked up the property and it does belong to XXXX XXXX. After I did not get a response back a few days before our vacation was supposed to start, I started researching and found XXXX XXXX on XXXX. She had told me that i was involved in a scam. I did a money transfer through Zelle through XXXX XXXX  and this payment was sent to XXXX XXXX at XXXX XXXX. I opened up an investigation with them and they said there was nothing they could do. I also have a police report open under incident number XXXX with the XXXX Police Department. There is also a police report open with the XXXX county police under XXXX from a guy named XXXX who we found out also got scammed by the same person.
Consumer complaint received 2020-09-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

I requested a forbearance thru my current mortgage company XXXX  mortgage. After the 4 month into the forbearance i received a letter they sold the loan. I just received from the new mortgage company Shellpoint Mortgage a demand for payment to avoid foreclosure. I have repeatedly tried to contact them and they say there is not record of my request for forbearance and i owe them the full amt of " late payments ''. This was authorized by the government for Covid relief. I have left messages for my " direct contact person ''. They do not return my calls. I need to start my payments again in XXXX but I have no direction as to how to do this. I have letters proving I was approved for a forbearance, now i have no one to contact to resolve this matter.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

This complaint is against Equifax. 

We just easily had the other credit reporting agencies freeze our credit report by online action. 

Equifax is incompetent to complete a Freeze request. 

Equifax refused our request for a credit freeze. We spent over an hour on the phone and on the computer, answering their questions. 

Equifax ' computer told us equifax can not help us. There was no option for a telephone conversation with someone in the US who spoke English with an American accent. We are Americans, Not XXXX XXXX. 

Then, Equifax told us to send through the US mail all of our personal infromation to get the freeze. Equifax already has our personal information and we will not expose that information to theft in the US mail. 

Equifax 's phone and website systems are inadequate to handle a basic freeze request.
Consumer complaint received 2017-08-10
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: Rocket Mortgage, LLC (MD)

I finalized my divorce XX/XX/XXXX. Afterwards, I paid for her mortgage with Quicken Loans ( XXXX  month ) until XX/XX/XXXX, and am currently paying for her car loan ( XXXX  month ). In our court agreement, I was to be removed from the car loan, and my ex-wife to carry the mortgage immediately. She has not, and the house is two months behind. My credit is affected now.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This is my third report towards XXXX. When my account was first opened in XXXX, 2016, I was  uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of XXXX and XXXX as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that XXXX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as XXXX refused to help during the time they held my money without authorization.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have always paid my account on time every month thru the website that the company provided and i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and tried disputing it with the company because I had paid it and the website said they received the payment and not my mistake but they didn't remove it. They acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2021-03-30
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. (NY)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

AMERICAN EXPRESS - They lowered my credit by XXXX $ without any notices or any reasons that could affect my business with them. I have been making all my payments to them on time and did not use my card very often. 
Because of this Carona Virus pandemic. I was trying to keep my card for any emergency spending. American Express went and lowered my available credit and has caused by credit score to decrease by XXXX points. 
All the other banks have been trying to assist their customers during this time but American Express has been destroying peoples lives during these tough times. 
I only found out that my credit was lowered when I was trying to make a purchase online and my card declined. I immediately called them as I thought my card might have been used fraudulently. Then I was advised of this dishonest practice that American Express lowered my available credit. HEARTLESS ... 
I think that practice of lowering people 's available credit should be a crime and this company should be fined.