davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

Due to fraudulent activity with my personal information I am having to go through months and months of back and forth with companies that will not comply with the laws. At this point I am absolutely speechless at how I am being treated with my disputes. I have completed a FTC for the issue and submitted a CFPB complaint before. I have given the company plenty of time to contact me with any results but they have failed to do so. According to the Fair Credit Reporting Act, I have completed my portion by completeing the FTC and CFPB, but still this item remains on my account with out proof of a wet signature. I would like this to be my final time trying to get this issue resolved. Remove the account immediately because the company has had plenty of time to recover and provide documentation. The FTC was filed at the end of XX/XX/2021 and the first CFPB was completed in early XXXX, as a result of being ignored, by these same companies. I have rights as a consumer and these companies must respect that.
Consumer complaint received 2020-11-15
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. (TX)

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX AND XXXX/XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Consumer complaint received 2020-11-15
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: CBC Companies, Inc. (TX)

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX AND XXXX/XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have disputed incorrect address on my credit report ; XXXX XXXX XXXX, XXXX, TN. I am requesting that XXXX provide he source of who is reporting this information on my credit reports.
Consumer complaint received 2019-08-19
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. (NV)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX Hospital XXXX
Consumer complaint received 2020-07-16
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 — Their investigation did not fix an error on your report
Company: Millco Management (LA)

Almost 2-3 years ago this collection agency XXXX XXXX began sending me collection notice for a hospital bill that my XXXX paid for. The services were over 1-1/2 years old. XXXX told me there was no insurance information on file which was untrue. How did hospital get paid if no insurance. I have been going back and forth with them. The {$440.00} has negatively impacted my credit for years, even though Ive disputed it. I call and the number rings and then hangs up. Please help me I am a service connected veteran trying to get a home and this is impacting me tremendously. Blessings and Thank You, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2017-09-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (TX)

I became behind in my payments and sent them ALL of the information for a modification and they kept kicking it back saying they either did n't receive the information or it was n't complete. The last time I submitted the information they stated they received all of the information but did n't receive it in time. I then received a foreclosure notice but filed bankruptcy to keep my house. I was supposed to make my first payment XXXX XXXX but they have deactivated my account AND I am unable to make a payment. Additionally they are n't taking my calls or my attorney 's. I believe this was deliberate ploy to take my home because they are getting paid for loan especially if it is an FHA mortgage. They are doing things that should n't be done and it needs to be investigated.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally notify you of a violation of the Fair Credit Reporting Act ( FCRA ) that has negatively impacted my rights as a consumer. Specifically, Experian has failed to comply with the provisions of 15 U.S.C. 1681b, 1681c-2, and 6802, which have been designed to protect consumer information and ensure timely communication from reporting agencies.

Violation of 15 U.S.C. 1681b : It is my understanding that Experian utilized my consumer report for purposes not prescribed by the FCRA without my explicit consent and failed to provide me with the required notice within five days of this action. This unauthorized access and lack of notification is a clear breach of the FCRA 's guidelines designed to safeguard consumer privacy and inform consumers of the use of their credit information.

Violation of 15 U.S.C. 1681c-2 : Additionally, Experian has not adhered to the requirements set forth in 1681c-2 regarding the proper and timely updating of consumer information. This failure has resulted in outdated or incorrect information being reported, further jeopardizing my financial well-being and creditworthiness.

Violation of 15 U.S.C. 6802 : Experian has also violated 6802 by failing to provide me with a notice of my rights under the FCRA, which is a fundamental requirement to ensure that consumers are aware of and can exercise their rights to dispute inaccuracies and access their credit information. 

As a result of these violations, I have suffered unnecessary hardship, including but not limited to, financial damages and undue stress. The inaccuracies and lack of communication from Experian have adversely affected my ability to obtain credit and have caused significant damage to my credit score and reputation.
Consumer complaint received 2023-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

On XX/XX/2021 a door to door salesman came to my house offering security equipment for the house. He said everything was free, I would just have to pay for the service. I am hard of hearing so I read lips and my understanding was that it was free equipment, which was installed immediately. I was shown things on a tablet and never given any paperwork. I never looked over the emails that I received from citizens XXXX because I thought it was just part of XXXX. When I went to cancel last XXXX, I was told that I owed almost XXXX for the equipment. I had a friend search through my emails and discovered that salesman lied and committed fraud. All the paperwork that has the financial details is dated the XXXX and obviously were forged because he was at my house on the XXXX. I did have an email from Citizens XXXX on the XXXX welcoming me and then I have an email from the XXXX that said I was denied a loan. I have contacted XXXXXXXX XXXX XXXX and they are unwilling to take the equipment back and get rid of my charges even though their representative lied to me. I have also had my friend call citizens pay XXXX and they have not returned the calls. I did let them know that the emails don't match up with dates and are fraud because I didn't sign for them and how do I have a loan when I wasn't approved. I have attached emails from both companies showing the dates are not matching up.
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MD)

This account is not mine. I have asked the reporting collection agency numerous times top validate this debt and they are unable to do so, however they keep reporting it to the credit bureaus. In addition, on my most recent credit report, they are now reporting incorrect dates. Originally the alleged delinquency was XXXX, then they changed it to XXXX, not it says XXXX. Jefferson Capital Systems has no regard for the consumer. They are involved in unscrupulous business practices. They have made no effort to try and resolve this matter and have blatantly disregarded my request for validation of this debt. The account was fraudulently acquired years ago, and does not belong to me. They have failed to provide me with any proof whatsoever to substantiate their claim. I requested to see the application, the proof of identity that was provided at the time of the application and the original signature on the application and they can not provide that information.
Consumer complaint received 2021-08-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TMX Finance LLC (TX)

I took a title loan on my XXXX XXXX. At the time was unemployed as well as currently and applied for a loan {$900.00}. I paid them {$900.00} but their compounded interest rates were too overwhelming. At the time I told them that the car was theirs to take and the amount owed the was {$420.00} of interest after repayment of principal in full, they kept calling that they were willing to goodwill offer for the payment. But my understanding was that if I somehow could not repay them they would just keep the car after all, they have the title. But to this day I keep getting phone calls day and night as early as XXXX XXXX. XXXX. They have the car our transaction is done. I would like to somehow alleviate these harassing phone calls and real good will intervene and I not be held responsible for their compounded charges ( after all in earnest I have paid them the face value of the loan and not affect my credit.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/XXXX Comenity Bank XXXX XXXX XXXX  XXXX closed due to bankruptcy My account as listed on statement. was suspended at the time. My balance and credit limit {$800.00}. As advised by XXXX XXXX sales associates to continue payments to Comenity Bank. Payments continue XX/XX/XXXX until XX/XX/XXXX of {$35.00} on time XXXX of each month. 
On XX/XX/XXXX I was contacted from Comenity bank concerning my account. I was told my payments will be deferred due to my unfortunate illness ( XXXX ). I request letter in writing of the action toward my account. I later received a copy of my statement showing I still owes over {$900.00} and credit limit increase. I feel that the bank rated my interests and late fees from the current. With my past and current payments totaling over {$2000.00}.
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo will NOT allow us to end our forbearance. We have spent over 7 hours trying to reach them to resolve this. Attached all relevant docs Wells Fargo will NOT allow us to end our forbearance. We have spent over 7 hours trying to reach them to resolve this. We finally reached a representative on XX/XX/XXXX, who after an additional one call, received our payment of {$9000.00} and assured us our account was up date with no payment dues util XX/XX/XXXX. The bank statements shows this, yet we are still getting communications from Wells Fargo that they are extending our forbearance, against our will. We have found online news that this is happening to many others as well Attached all relevant docs We want and need to END our forbearance, assure us our {$9000.00} payment leaves us up to date, and is applied to principle, and that we will no longer be be placed back into forbearance without our knowledge
Consumer complaint received 2019-08-19
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. (NV)

Please reverse the late payments reported on the following accounts: XXXX XXXX XXXX0xxxxxxxxx and XXXX XXXX XXXX XXXX XXXXXXXXXXX The accounts were never past due, i never made a late payment to this company ever please change this , i have a good relationship with these companies.
Consumer complaint received 2015-11-02
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Solutions To Portfolios, LLC (TN)

Initially this was a payday loan gone bad. It was sent to debt collector who then sold it to the STP Management Group/TX. XXXX XXXX really has a way with her words and how she has made it up in her mind to get money by any means necessary. I have set up payment arrangements at the end of each month and have made those payments. She insists that because od the upcoming holidays, the end of the month DOES NOT WORK FOR HER!!! And that she will not accept late payments period. What??? Is this lady pocketing the money or what? Are they on some kind of commission for how many they harass and get money from? Is this money really going toward paying off the debt ( which I acknowledge )? Is this a legit debt collection agency? Calling my place of employment really crosses the line ... .I NEED YOUR HELP!!!
Consumer complaint received 2017-09-13
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. (MI)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am XXXX XXXX XXXX i have never changed my name i have never use any of the alias names on my credit report. Any nanes other than XXXX XXXX XXXX were fraud. Please remove. 
Also i lived at XXXX XXXX XXXX. XXXX, Al . For 30 years i have never used any other address in Alabama. Please remove all alabama addresses but this one. Only a unstable person will have over 20 addresses. Also the social security numbers please remove from credit file. Not mine also the phone numbers as well.
Consumer complaint received 2020-11-26
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. (TX)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Made several extra payments over the phone. Specifically told the agents that the overpayments were to be applied to principal. 
I have called repeated and tried unsuccessfully to get the extra paYments that are held as unapplied funds applied to principal. My account is in good standing and each time I call the agents on the phone can not explain why my money has been held XXXX for the past 8 months
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Experian has my XXXX 's account showing negative until 2023 and there is no late payment showing for over 21 months. But Experian has me showing 2023 before the account goes positive.

There has been a {$0.00} balance for over 6 months so how is the account in the Negative.
Consumer complaint received 2017-09-21
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. (GA)

I have notified XXXX XXXX Bank that they are inaccurately reporting that I was late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC (NJ)

I call this debt collection company under the name JHPDE FINANCE I , LLC due the fact they appear on my credit report agencies. For my big sorprise their representative told me she could not locate this account in their system, I gave her my Name, SSN and even the account number that appear on the credit reports. 

I ask her how is this possible and how is posible that if my name is not in their system they report this to the credit report agencies??? ... AND SHE TOLD ME ' '' " OOHH IS DUE THE FACT YOUR ACCOUNT DID NOT REFLECT ON OWER SYSTEM YET, ONCE THE ACCOUNT IS REFLECTED WE CAN GIVE YOU MORE INFORMATION ..... 

SO HOW IS MY INFO IS NOT YET REFLECTED THEY COULD REPORT THIS TO THE CREDIT AGENCIES, AND HOW THE CREDIT REPORT AGENCIES COULD VERIFY THIS ACCOUNT AS MINE??
Consumer complaint received 2020-11-15
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: EQUIFAX, INC. (NC)

I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (KY)

I have two issues on my report that are incorrect. 

Citicards XXXX Acct XXXX - this is not my account. I have tried to have this removed before. I do n't know who it belongs to but someone is obviously paying it. I just need it removed from my social security number. high limit {$30000.00} monthly payment {$110.00} Account Header Balance XXXX Derogatory Info - XXXX XXXX - I do not owe them anything and have never been late so this needs to be removed from the Derogatory section of my report. XXXX XXXX XXXX monthly payment 0 Header balance 0
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.