davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

I recently contacted Equifax and also filed a previous complaint with Equifax back in the beginning of XX/XX/XXXX the company told you that they were working on getting back in my account and also having it to where I could access my credit file online with my confirmation number. I was required to fax the disputes department my personal identifying information to remove wrong and inaccurate name and address from my credit file. I did that and they removed it but on XX/XX/2018 I received an alert where the information has been reinserted. I tried to go online and here again Equifax has blocked me from seeing my credit report online. I am unable to dispute anything online or even see my credit file for that matter. After trying for the 10th time in two months to access my file online I get the same error message that says the information you provided does not match our records. When I clearly gave them everything they asked for which was my social date of birth and address. Yet and still I am unable to get on my report. There are several address that I have told them and sent proof that I have never lived at those places and one of the addresses are actually not even a real address and yet it keeps reappearing back on my credit file. Every time I call them they tell me that only one address is showing but on my XXXX XXXX all of the unknown addresses are continuously listed on my credit report. I can't understand why they have me fax in proof of identity when they are still going to let these companies report erroneous information on my credit file. I have told them several times that my file was merged years ago and they still yet let this stuff be placed back on my file. I can not really understand how you all continue to let these companies get away with this. There are so many bad complaints and reviews on this company but yet there is nothing we can do about this and these are the companies that have access to our files.
Consumer complaint received 2024-02-22
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. (NM)

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 2016-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc (NC)

BullCity Collections is reporting to the credit bureaus that I owe XXXX {$570.00}. I have explained to BullCity that I have no balance owed to that company. I cancelled my membership in XXXX of 2013, and despite that, the company continued to bill me through XXXX of 2013. Even though I had cancelled my membership in XXXX, and turned in my access key that same month, they continued to bill be for things. This {$570.00} charge they are trying to collect are for charges they charged me for AFTER I can cancelled my membership.
Consumer complaint received 2015-09-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (PA)

This complaint relates to the Discover credit card pre-approval online website titled " Find My Offer ''. 
This site is deceptive and misleading consumers into taking the next step of submitting formal credit card applications. 
In my case, after submitting basic identifying information, such as name, address and the last XXXX digits of my ssn on their initial 'Find My Offer '' site, a soft pull was performed on my credit file. 
After a brief pause, while my credit was being checked, led to a new Web site popping up, informing me of " Your Personalized Offer '', along with " Here 's the card we found for you '', indicating the Discover It card. 
Well, needless to say, I was turned down, after submitting a lengthy formal application, along with disclosing the account numbers for XXXX of my other credit cards that I wished to have a balance transfer over to the new Discover It card that I was " Offered ''. 
I can accept a credit card denial, what I ca n't accept is misleading and deceptive marketing. The words " Offer '' is utilized multiple times along with the extremely deceptive " Your Personalized Offer ''. 
An " Offer '' is just that, an " Offer ''. Pretty straight forward language. 
This not only resulted in a hard pull on my credit report but, more importantly, the disclosure of other credit card account numbers which I hold. I would never have disclosed this information but for their language of " Your Personalized Offer ". 
After a review of Discover 's " Find My Offer '' website, you may very well agree with my assessment. Thank you.
Consumer complaint received 2016-06-03
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (TX)

I have a XXXX prepaid credit card. I can only spend money that is available on the card. 
Although the balance on my card was XXXX - American express approved a payment of approximately XXXX $ making a negative balance on the card and are now forcing me to pay the balance. 
American Express can not explain how a charge of apporximately XXXX $ was approved on a prepaid card which had XXXX balance for over a year.
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (NY)

I believe my credit card company, Chase Visa, is deliberately pursuing policies designed to incur financial charges. 

My credit card statement was lost in the mail so I called for a replacement. The process to procure a replacement statement is unfair to consumers and circumvents what I understand to be the law. 

Unlike others, the company does NOT email you a replacement statement. There are 3 options : 1. ) create an online account and log in to get a statement ; 2. ) have a statement mailed to you which will take " 10-14 days '' to arrive ; 3. ) have a statement faxed to you " within one hour ''. 

To create an online account, I am forced to sign a complete and full agreement I do not want to sign. I do not want to create an online account which will be used by Chase in other ways rather than simply the one-off use of obtaining a missing statement. 

The option to have a replacement mailed is absurd. This almost guarantees that finance charges will start accruing before the statement arrives. 

I chose to receive a fax. Despite the one hour service delivery promise, I had to call 5 times in a day to receive a fax and finally received it overnight ( this is noted on my account ). When the fax finally arrived, it was missing information because ( I was advised ) the statement pages are too long and not designed to be faxed. I had the statement faxed to me 3 times to verify this ; each fax was missing the same information. ( I have included copies of these faxes ) This is NOT a problem with my machine which operates perfectly normally and the Chase supervisor told me this was to do with the page size of the statement, which is not compatible with faxing. My call was recorded so this conversation can be listened to Because Chase uses regular postal service for mailing its statements, there must be tens of thousands of statements which are lost every year, simply in the normal course of business. The process for a consumer to obtain a replacement is ill-designed and does not include reasonable steps to get a bill to a customer in a timely fashion, which is required by law. The Chase process circumvents the law by putting the consumer in the unfair position of, in order to avoid finance charges, paying a bill before a detailed statement is received. 

I wish to make a second complaint against Chase. I wanted to complain about this process to whoever regulates Chase ( there are so many agencies I was unsure of the correct one ). The Chase rep, XXXX, whom I spoke with on XX/XX/XXXX, told me she was not allowed to provide me with this information. I asked her to note this in my account. I was transferred to a supervisor. She told me she did not have this information and advised me to look it up online. I want to complain that Chase employees are not equipped to provide consumers even with simple information about their rights, like who Chase is regulated by. 

I would be happy to take up both these issues with the relevant agencies if the CFPB is not the right agency.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (ME)

Received notice from XXXX XXXX XXXX ( XXXX ) that they had obtained a credit report from Equifax Information Services regarding a request for home owners insurance. Problem, I do not own a home, and according to customer service at XXXX, my credit report is disclosing my home was purchased XX/XX/2015. I am XXXX in live in HUD housing with the XXXX XXXX rental voucher. Equifax is now refusing to provide a copy of my credit report claiming my current address does not match the address of their file. They also are refusing to take proper action in protecting me from possible acts of fraud by allowing others to use my social security number and not allowing my access to items on my credit report or a copy of my credit report. Equifax is also stating they can not send a credit report to me becuase my legal address for two years does not match the address they have within their system. With out the credit report : I can not dispute the inaccurate information that was disclosed by XXXX over the phone and as claimed to be on the credit report. Therefore, without a formal complaint from me disputing the items on my credit report, Equifax has no obligation to conduct an investigation as why others may be using my social security number. Equifax acts provide and enable criminals by protecting them from the true consumers. Equifax has extreme poor customer service when calling by phone and is trying to sell their fraud protection before releasing my credit report for review. I was hung up on four different phone calls when asking for a copy of my report and refusing to pay for the report. I did try getting my credit report on line with the annualcreditreport link and this did work with XXXX and XXXX, yet Equifax sends by electronic message saying Online Delivery Unavailable with a contact phone number and then audio links and customer service sales people try to sell their credit Fraud Protection Services ; be very self serving!
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (PA)

On XX/XX/2016 I filed a dispute, # XXXX, with Equifax regarding a debt that was being collected by " XXXX '' and have not received any response via mail, website or telephone. Their online website has no information either. I 've attempted to get responses from the company, the debt collector, and now Equifax. I 've heard nothing. Just earlier today I was disconnected by Equifax 's telephone system XXXX times and could not reach a live agent! I believe there is a XXXX day rule and for that want this debt taken off of my credit ... ..it 's affecting my allowance to refi my mortgage. Please help.
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

I had an account with XXXX XXXX. My last payment on the account was made in XXXX 2008. I did not make any further payments. The account was re-aged to show that my last payment in XXXX 2008 so that it would remain on my credit for an additional period of time. This item needs to be removed from my credit report, under the FCRA XXXX XXXX was only able to report this negative information for seven years after the account was considered delinquent.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Associates, Ltd. (PA)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

Ive been receiving repeated emails and phone calls from this company alleging that I responsible for a {$950.00} debt. Ive never entered into a contract with this company and theyre in violation of 15 U.S. Code 1692e - False or misleading representations U.S. Code Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

15 U.S. Code 1692e - False or misleading representations U.S. Code notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

This company is committing fraud by attempting to collect a debt thats been charged off which is a Federal Offense by law.

Duties of person taking certain actions based on information provided by affiliate ( A ) Duties, generally ii ) does not include ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report.
Consumer complaint received 2016-02-26
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Lionstone Holdings Group (OH)

I was called by a number marked " Unknown '' '' by the caller ID. This is a pretty good indication this call was not made by a representative of the court. In the call, no creditor was mentioned, nor was the name of the credit company, tactics I believe were done specifically to provide deniability. I was told I would be served papers XXXX XXXX if I did n't call XXXX regarding account XXXX. I called the number, and it is a collection agency known for somewhat shady tactics called Lionstone Holdings, LLC. I did n't give my name or information, as I have no idea what this is even pertaining.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am beyond furious and I pray to XXXX that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. Unfortunately, it's been over 60 days and I'm pretty positive that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.
Consumer complaint received 2016-05-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical & Professional Collection Services, Inc. NC. (KY)

I have repeatedly ask for this medical debt collection company to report my accounts as paid on my credit report. But, to no avail. I had several medical debts that were listed as collections on my credit history. I paid off these debts several months ago but they are still listed as open collections on my credit report. It seems unfair how a debt like a medical debt is so hard to get removed once they appear on a credit report. Medical Professional Collection Services, MPCS in XXXX XXXX, XXXX, IN XXXX TEL : ( XXXX ) XXXX ( XXXX ) XXXX FAX : ( XXXX ) XXXX The debts were for XXXX. 
The collections damage my hope of increasing my credit score. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (NY)

I have been trying to get a loan modification since XX/XX/2012, up until yesterday my case was closed for a fourth time even after the representative told me i had handed in all my information requested in a timely fashion. 
I 'm tired upset and aggravated at this whole process that i believe US bank is playing with my time. I 've complied to all of their request, their not even denying me based on income but keep saying i have n't sent in the information when i did and have proof that i emailed it to them and they even responded with emails saying they received my paperwork, i do n't know what to do next so I 'm making this complaint to you then my next step will be the media outlets of XXXX. Thank you in advance for looking into this
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. Or the list of inquiries 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 an 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 or 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 2023-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

We purchased our home in 2001 at {$150000.00} with one company. Over the years our mortgage changed hands a number of times and has ended up with Select Portfolio Servicing. We had one situation where we ended up in court to save our house. We have been doing pretty well until recently. 
I have tried numerous times to get answers as to why the numbers don't add up after 20 years. They say the balance is {$140000.00} which I find hard to believe that after 20 years we have only paid {$13000.00}. Every person I have talked to can't or won't give me any answers. 
I never talk to the same person and I can never get a hold of my Relationship Manager assigned to our account. We are currently 2 months behind and they are threatening foreclosure action again. They have left notices on our door saying that they have tried to contact us, which they haven't. We don't want to lose our home but, it's going to take some time which they don't want to give us.