davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
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 — Their investigation did not fix an error on your report
Company: Onity Group Inc. (MN)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2020-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (LA)

Franklin Collections Service keeps calling me and also put on my credit that I owe {$600.00} to XXXX XXXX XXXX for an appointment in XXXX, on the XXXX. I advised them that this is not my debt and its inaccurate and they still placed it on my credit and they keep reaching out to me and everytime I tell the representative that its not mine, they still say I owe it.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-29
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: Exeter Finance, LLC. (OH)

Ive reached out to EXETER FINANCE LLC about the false reporting and haven't received a reply its been 30 day and i still haven't heard anything this is highly illegal and i dont own an account with this company
Consumer complaint received 2021-01-29
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. (TX)

I have disputed an incorrect Bankruptcy on my credit report at least 6 times and credit bureau refuse to send proof or even investigate my request. This is causing me to get higher interest rates and not be approved for other loans.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (TX)

I checked my Equifax credit report and found a charge-off on my report FOR utility service at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I have never lived in XXXX XXXX XXXX XXXX I live in XXXX, Texas XXXX this much be identity theft or fraud. I have no business dealing with XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not convinced that XXXX and XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COLUMBIA DEBT RECOVERY. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC (GA)

On XX/XX/2021 I signed a contract to have solar panels installed on the home I own. They partially installed the system on XX/XX/2021 and it is still not operating. It does not work. I have signed the dotted line so I have obligated myself for 20 years to pay for something they have failed to deliver on. The other concern I have is the federal tax credit you can get for going solar. They expect me to pay the tax credit amount on the loan by the XXXX month note. On the XXXX month they will add the tax credit to the loan amount I owe. The system was {$38000.00} tax credit {$9900.00} for total of $ XXXX. The companies I am dealing with is XXXX XXXX XXXX XXXX dba XXXX XXXX. Sunlight Financial, service provider is XXXX XXXX XXXX. 
I have made numerous calls, emails, text with no results. 
I requested a breakdown of how they came up with the total of the system {$38000.00}. They could not give me more than the contract I signed which does not give that detail information. There is a Promo Credit they are suppose to pay me in the amount of {$3400.00}. I inquired and it will take 6-8 weeks AFTER the 'PTO ' permit to operate is given. The county can not inspect the system before it is installed and working. It appears they wanted the funds released so they half done my install. Thanks for your help.
Consumer complaint received 2023-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glasser and Glasser, PLC (VA)

I found out debt is held by XXXX and XXXX, and I have been trying to communicate with them for months. 

I did finally get a person on the phone. I was able to get my account number. 

I have requested multiple times that I receive documentation of the debt they want me to pay. It has been over XXXX months with no action. I can not seem to get verification about what I owe. 

I do believe it is intentional- I can not look up how much I owe with XXXX XXXX XXXX- they simply provide a payment screen so they can get paid without any information on the balance. 

Please do help - I need them to tell me what I owe and they are currently holding me back from trying to own a house, etc. 

Thank you so much!
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (MS)

This " credit reporter '' requires copies of sensitive personal information to be physically sent in order to get a copy of a credit report. There is no online access. They don't answer the phone during normal business hours despite multiple attempts. Their scoring does not take financial obligations or history into account.
Consumer complaint received 2018-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sherloq Group, Inc (CT)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (GA)

Please remove the following unauthorized inquiries from my credit report XXXXXXXX XXXX  XXXX XXXX XXXX 2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXXXX XXXX 2022 Per the Fair Credit Reporting Act, Section 611 ( a ), any information that is inaccurate, incomplete or can not be verified must promptly be deleted within 30 days of your receipt of this dispute. I look forward to receiving an updated copy of my credit report reflecting the above corrections.
Consumer complaint received 2020-11-18
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. (DE)

Hello. I have been disputing 2 accounts on my credit report since the beginning to 2020. I have sent multiple letters indicating the inaccuracies on my credit report. I have called the bureaus about my investigation and I was told on XX/XX/XXXX by Equifax that they do not have any of my information on file and that the last thing they have was something I submitted in XX/XX/2020. I sent a letter in XXXX of this year. The continue to report inaccurate information on my credit file.
Consumer complaint received 2021-01-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (IL)

This is my third complaint I am submitting on this site dealing with Freedom Mortgage. This site gives the mortgage company access to close the complaint without any follow up to the consumer. I am at the final stage of my refinancing for the third time and have not received a response as to the reason my previous closing did not occur. I asked for reimbursement of the money lost due to a four month delay of my refinancing and for the vacation day I took for the second closing which was canceled an hour before the scheduled time. I never received a call from the Customer Advocate to reschedule my refinancing. I had to call the Closing Department myself to schedule. I have not received an email confirmation as I have in the past. My closing is scheduled for Monday, XXXX, two business days away, keeping my fingers crossed. It has been recommended I contact XXXX XXXX Investigate for my issue to hold Freedom Mortgage accountable to all of us consumers! During this 2020 COVID year, Freedom needs to be more responsive to their clients and should work with us to save us money!! They should be ashamed of the lack of service and the loss of funds they are causing us. FHA needs to be made aware. I hope I get a response from XXXX XXXX Investigate and get help for all of us mortgagees!
Consumer complaint received 2021-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

This account was previously deleted and has been reinserted on my XXXX credit report without notifying me. 
Midland credit management XXXX XXXX {$2600.00}. 

This item was originally deleted from my credit in XXXX.
Consumer complaint received 2022-11-17
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. (AL)

XXXX, account XXXX, is showing on Equifax to have an available credit at XXXX and that I'd incorrect, this is having a major affect on my credit utilization and I want this corrected to show the correct available credit at XXXX. I have requested this to be fixed numerous of times and it has not been corrected. Please correct this error on my credit report.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (IL)

On XX/XX/2022, at the end of the day ( payday ) after checking my balance there were 2 charges for XXXX that I didn't make. I immediately called XXXX thinking they allowed someone to order on my account, but after providing the names of the restaurant ( one in XXXX XXXX ), I advised that was not my purchase. I also provided information on my XXXX account that my last order was on XX/XX/2022, but to no avail. I received a result of denied in a matter of minutes and they couldn't have reviewed the email I sent. The agent I spoke with the name was XXXX. I called back with an appeal and spoke with XXXX who stated he found the email ( I had sent it to the wrong email address ) so they couldn't have reviewed it. Again, they immediately declined the appeal which I do not understand because I sent proof and this time, supposedly, XXXX attached it to my appeal. I didn't make those XXXX purchased on XX/XX/2022, one for {$76.00} and the other for {$72.00}.
Consumer complaint received 2021-10-13
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 went to go and trade my car in since Im XXXX and the car dealership said I would have to get something smaller than what I have because of my credit. I didnt understand why so I went and looked at my credit and I see accounts on there that is not mine XXXX, XXXX XXXX and XXXX. I have filed a complaint with the FTC and contacted the police here. Im doing this on my own and need some help taking these accounts off my credit.
Consumer complaint received 2022-11-17
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. (WA)

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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2021-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ). Reported differently across the bureaus. I demand this to be removed right away because of its inaccuracies that is detrimental to my credit report.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

THE CHAPTER XXXX CASE # XXXX IS REFLECTING INACCURATE INFORMATION AND SHOULD BE DELTED DUE TO THE BK CASE NUMBER BEING ENTERED INTO THE BK SYSTEM UNDER 2 DIFFERENT FILINGS. THE CORRECT CASE NUMBER IS XXXX AND CASE # XXXX SHOULD BE DELETED.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Around XX/XX/XXXX I was denied employment due to too many delinquent accounts on my credit report. So I pulled my credit report and found that XXXX XXXX XXXX is Reporting a Transferred closed account as Closed, Current, delinquent and late. I sent a dispute to all 3 Credit bureaus and received a verification of that debt. As of today no one has explained to whom I owe this debt to and why. 

Account on XXXX reports as follows : Open XX/XX/XXXX Account Closed Account Transferred to another office Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on Equifax reports as follows : Open XX/XX/XXXX Account Delinquent No Comments on file Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX  reports as follows : Open XX/XX/XXXX Account Delinquent Account close to the transfer Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX XXXX
Consumer complaint received 2021-11-10
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 — Their investigation did not fix an error on your report
Company: World Acceptance Corporation (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on WORLD FIN XXXX Balance Owed : {$550.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (IN)

After previously being sent to collections, I paid an overdue credit debt back directly to the credit card company on XX/XX/XXXX. On XX/XX/XXXX, I started getting phone calls and emails from XXXX XXXX XXXX, XXXX, stating that I owed them the amount I had previously repaid directly to the card servicer five years prior.
Consumer complaint received 2021-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (TX)

A letter was sent XX/XX/2021 to ( debt collector ), requesting validation of debt.They responded with medical records, a direct violation of Hipaa regulations.They violated 15 USC 6801-6809, using nonpublic personal information with out my consent or authorization.I never signed consent authorizing them to use my nonpublic personal information. 
Enclosed with the complaint is a document where ( collection ), stated that I paid with a check which give them authorization to use my information with out consent.I provide my payment history where I never a paid nothing on this account.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

In XXXX XXXX XXXX I rented a car via XXXX for XXXX XXXX at XXXX XXXX XXXX and received confirmation via XXXX and XXXX XXXX XXXX for {$690.00}. My flight was delayed ( XX/XX/XXXX ) so when I arrived at the airport the XXXX counter was closed. I had to take an XXXX and then went back to Airport the next day ( XX/XX/XXXX ). The girl at the counter was having trouble in their operating system and had to ask me for my confirmation XXXX XXXX another agent helped her. I returned the car to the same parking lot I retrieved it from on ( XX/XX/XXXX ). Although I was enrolled in XXXX ( drop your key in drop box ) the counter was open and I returned my key at the counter and was told that my statement would be mailed/emailed to me. I never received it. On XX/XX/XXXX I was reviewing my bills when I noticed XXXX entries pending on my Citi Statement XXXX charges and XXXX refund all from XXXX posted for {$1400.00} - I called Citi right away and the agent states that they suspected fraud and he closed my card and issued a new one. I then received XXXX conditional credits to my account. On XX/XX/XXXX I received ( XXXX ) Dispute notifications with XXXX different case ID # 's. I was asked to sign that I recognize charge or do not and return with additional information. I did that on XX/XX/XXXX and on XX/XX/XXXX I received XXXX notifications that my case was closed ; however, those notifications were for the {$690.00} charge that I did recognize and both notifications had that case ID # and charge yet they re-charged my accoun t for {$690.00} recognized charhe and {$910.00} unrecognized charge. I emailed for a follow up on this on XXXX and received no response, I then called and spoke with an agent on XX/XX/XXXX that sent over notification for a follow up. On XXXX I called the XXXX XXXX XXXX XXXX XXXX XXXX  and spoke to an agent XXXX that stated she was sending a notice to re-open my case. I have heard nothing, I called again today to be told the same thing. I am aware of over XXXX complaints against XXXX, I would assume that a special fraud department would also be aware. I find the resolution and lack of response unacceptable in nature and timeframe. XXXX  months to resolve?
Consumer complaint received 2021-11-10
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. (NY)

XXXX IS DUPLICATING THE FOLLOWING ACCOUNTS XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are listed multiple times thus keeping my fico/score from increasing. XXXX is not removing all the duplicates which indicates a deliberate hold to keep a person of XXXX like myself from getting a financial break from a lender. This is discriminatory and I have ask for CFBS to help. THIS PRACTICE MUST STOP. XXXX IS GETTNG PAID TO KEEP THE DUPLICATES ON THE NEGATIVE SCARE.
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC (GA)

On XX/XX/XXXX, I sent Bay Area Credit Service a certified validation letter. I asked them to send me proof that I owed their company money. On XX/XX/XXXX, they sent me a letter stating I owed {$1000.00}. After looking closer at the letter I noticed it was an incorrect name and address. The name was XXXX XXXX. The company sent me the wrong information included with my patient care report Not only has this company violated HIPPA, they have also violated the FDCPA. I have responding to Bay Area Credit Service with a certified letter dated XX/XX/XXXX demanding that they remove the erroneous item from my credit report and the company cease and desist any and all collection activities. Depending on the outcome of the collection agency 's response, I will make the decision to contact the patient whose record I was received without her authorization. This is a clear HIPPA violation to send a patient 's records without HIPPA approval. 

XXXX XXXX