davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written permission to furnish said information. Within thirty ( 30 ) days, I asked that you give me written notice of instructions. You have are willfully noncompliant and according to FCRA ( Fair Credit Reporting Act ) are liable for federal violations conducted, should you fail to reply I will pursue legal counsel.
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Assured Financial Partners (TX)

For the past two years I and my elderly mother and other family members have been receiving repeat calls and messages about supposed pending legal matters pertaining to a debt that I know nothing about. I have always told my mom to ignore the calls, my credit is great and I keep and eye out for changes in my report but these constant messages upset her so I finally called them back one day and they threated to serve me with papers. I gave them my address and told them to send me documentation or whatever they needed to send me, just stop calling my mother and that I knew nothing about the debt they were referencing. They never sent me anything. The calls stopped for a while and they have started up again. After ignoring them, they have become more aggressive and again, I called them back to see what they would say. This time they said they were with XXXX XXXX XXXX ( My case Reference # XXXX ) and were acting as mediators on behalf of their client - XXXX - Assured Financial Partners. They say they have purchased an old debt attached to my social in the amount of {$3200.00} that is now {$5800.00} and if we go to court {$2500.00} will be added to that amount. When pressed for info about the original creditor they said it was a XXXX XXXX ending in XXXX and I have never opened a XXXX account so unless I am a victim of identity theft and the retailer just never reported this delinquent account to the credit bureau, this is a total scam. After speaking to these people I immediately called XXXX and they were unable to locate any account attached to my social security number. While this was a slight relief, I am still very concerned because whoever I was speaking to on the phone did have all of my information including my social security number, home address and phone number. I am unsure of what I should do next, they said I would be served with papers so I guess I will wait and see if that happens but I suspect that just like last time, nothing will happen. 


XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tx XXXX XXXX My SS # is XXXX
Consumer complaint received 2017-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Partners for Payment Relief (ID)

Partners for Payment Relief purchased our second mortgage while we were paying a " modified '' payment to our lender, XXXX then later sold to XXXX. I went to pay both my first and second one day over the phone and they told me " we cant accept your payment on the second loan any longer, it has been written off, but we can still accept your payment on your first loan ''. We assumed we finally got the modification we had been applying for of principle reduction. A year later, in XXXX we got a letter from Partners for Payment Relief stating we owed them {$18000.00} and demanding a lump sum. We called the number and the guy that answered was rude and would n't accept any " modified '' payment. He wanted to full amount. So we decided to short sale our home since we could n't come up with the amount he wanted from us. After having our house for sale for a year, and two buyers going through the process of offers and waiting we finally were going to close in XXXX of XXXX, the title company called our agent and told us Partners for Payment Relief had already foreclosed on our house the year prior, and waited 12 months to record it, so it did n't show up earlier. Since Partners for Payment Relief did not do the notifications and everything correctly, that act flawed our title and we were not able to reconvey title to anyone. Shortly after we received notice from our first mortgage, now through XXXX that if we continue to pay, everything will work out. So we continued to pay. We have had several attorneys tell us this is a huge fight in front of us to win, and we should just cut our losses. It just seems wrong that someone can remove you from your title, without you even knowing, All along we 've been paying the taxes, and all of that through our escrow, with no notice at all. On top of that, they applied a new lien to the property of {$75000.00} to cover their legal expense. It 's crazy. XXXX also has been collecting our mortgage payments and escrow payments all along, knowing we did not own the property any longer.
Consumer complaint received 2020-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (KY)

This item was removed from my XXXX  credit report. Its wrong. Delete item. Also, I wasnt contacted about them putting this item on my credit report. Before placing item on report the person should be contacted. I wasnt. Remove and delete item from my credit report.
Consumer complaint received 2017-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On XX/XX/XXXX, I went to XXXX XXXX XXXX and clicked on Transunion to get a free credit report. After going through the application process, it said that my request could not be processed online and gave me a number to call. I could never reach anyone at that number. Now I see I was billed {$19.00} for the free report I did n't receive. Moreover, the login I created only worked one time. I ca n't get back on their website. In reading complaints others have filed on XXXX XXXX XXXX about their customer service, I decided to act proactively by filing this complaint rather than engage in the inevitable fight I 'd get into dealing with them directly. Thanks for your help
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I have been disputing this collection account with XXXX and directly with Midland Credit management for some time. Midland Credit Management intentionally misrepresented information in an effort to harass and inhibit my rights as a consumer by negatively impacting my credit score. To date Midland Credit Management has never provided me with any documentation confirming an account with an alleged last statement date, charge-off date, last payment date, a transaction date, or a judgment date on XX/XX/2020. Per XXXX2 CFR Section 1006.34 ( b ) ( 3 ) Midland Credit Management has violated my consumer rights by reporting a reference date XX/XX/2020 which is outside of compliance parameters of XXXX Section 1006.34 ( b ) ( 3 ). Further FCRA 623 ( a ) ( 5 ) ( A ) requires that the reference date is the month and year the account first becomes delinquent, not when the creditor places the account for collections, charges the account to profit or loss, or takes a similar action. Midland Credit Management is operating outside of FCRA compliance and negatively infringing on my ability to act as a consumer.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are 4 accounts showing on my Transunion credit report. The account numbers are : XXXX, XXXX, XXXX, XXXX. First and foremost, these accounts are Fraudulent accounts. Second, Transunion is reporting one of the 4 Fraudulent accounts as Open when it has been Charged Off. Per the information from XXXX, the 4 accounts were charged off XXXX. Third, Transunion is allowing XXXX to change dates on the account and change the account history in order to Re-Age the accounts and also Reset the Statue of Limitations. Each creditor signs a contract with Transunion where the creditor promises through this contract that they will report accurate information to the credit reporting agency. However, neither XXXX nor Transunion are abiding by the contract nor being truthful. These accounts are continuing to be reported and they are Fraudulent. XXXX is deliberately attempting to Re-Age these accounts and also Reset the Statue of Limitations. Transunion is allowing this violation of the FCRA an FTC to happen. This is  Illegal and therefore should on so many grounds be removed from my credit report Immediately. I have attached copies of my credit report from different dates showing how Transunion has allowed XXXX to Re-Age and Rest the Statue of Limitations on these accounts.
Consumer complaint received 2017-09-26
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: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX, I visited a XXXX and we were going to apply for credit but when she told me it was XXXX i declined anyways fast forward I have a inquiry on my account from Synchrony Bank and I attempted to remove it because it wasnt authorized. I decided not to submit.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I deposited three checks into a Chase ATM machine. The deposit failed, and the checks were not returned to me. Upon calling the Chase XXXX, I was told that I would have to wait up to 10 days for Chase to investigate. They refused to dispatch a technician to the ATM machine to fix the problem. 

This was a critical deposit. This will literally cost me thousands of dollars because those funds are needed immediately. Had I known that Chase would wait 10 days to fix a problem, I never would have used the ATM for a critical deposit. 

They gave a scripted answer which was essentially " You have to wait 10 days. '' I called in the next day ( XX/XX/22 ), and they gave the same answer. They refused to dispatch a technician to the ATM machine to fix the problem in a reasonable amount of time. They refused to let me speak to a manager. 

The local bank staff attempted to help me but they were also blocked because of Chase 's default claim procedures.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Hello CFPB, I am reaching out to seek your urgent assistance in resolving an ongoing dispute concerning inaccurate and misleading accounts on my credit report. 

The accounts in question have already been successfully deleted from both XXXX and Equifax. However, I am encountering persistent issues with XXXX, which continues to report the same unverified and incorrect accounts on my credit files. 

I kindly request your intervention to facilitate the resolution of this matter promptly. 

XXXX XXXX - Account # : XXXX ***DELETED in XXXX  on XXXX ***DELETED in EQ on XXXX XXXX XXXX XXXX Account # : XXXX ***DELETED in XXXX  on XXXX ***DELETED in EQ on XXXXXXXX XXXX  - Account # : XXXX ***DELETED in XXXX on XXXX ***DELETED in EQ on XXXX XXXXXXXX XXXX  XXXX - Account # : XXXX ***DELETED in XXXX on XXXX XXXX - Account # : XXXX ***DELETED in XXXX on XXXX ***DELETED in EQ on XXXX Recently, I have been consistently receiving notifications about unauthorized hard inquiries on my credit reports from all credit bureaus. This situation is causing significant distress and concern for me, and I am seeking your intervention to stop these unauthorized inquiries immediately. 

I kindly request your prompt action to investigate and rectify this issue, ensuring that my credit information remains secure and free from unauthorized access. 

Respectfully, XXXX XXXX
Consumer complaint received 2020-07-12
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. (MD)

I recently sent letters over 30 days ago to this bureau or these bureaus and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2017-09-26
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: Innovis (MI)

First of all I requested a copy of my report from you you gave me a username and a password which I have attempted to type in five times and each time it tells me it 's wrong there 's no way I made a mistake 5 times in a row the report is beyond inaccurate I mean most of it is wrong I have no idea where you 're getting your information.
First of all you list a lot of different addresses most of them I have never lived at the only address that is correct is the one that you sent the copy of my report to XXXX XXXX XXXX XXXX XXXX Michigan XXXX never lived in any of those other addresses you have my date of birth wrong my date of birth is XXXX/XXXX/XXXX phone numbers none of these phone numbers belong to me my phone number is XXXX XXXX names you have listed XXXX that 's a nickname and not my legal name and not what I use for any type of credit card my legal name is XXXX XXXX XXXX. 

I was a victim of identity theft all other the other three major credit bureaus do n't have any of these negative accounts listed all of this has been resolved quite some time ago your company is very much out of the loop 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 None of the accounts listed above belong to me some of them I 've never seen in my life others as I alluded to before were part of the identity-theft that have been removed from everybody else 's report not sure why you still have them and then there was the accounts in good standing which the information is not correct you do n't have payment information or credit lines are so many mistakes on this report it 's unbelievable
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (WI)

My credit card issuer, Wells Fargo Bank, assessed with an APR interest rate hike beginning in my XXXX of 2016 from a 9.490 % to a 28.740 %. This rate hike was a direct result of their Call Center staff incorrectly setting up an auto-payment which was to continue for 3 months while I was traveling internationally. <P/>In working with my the local Wells Fargo Banking Representative, a member of their XXXX XXXX XXXX XXXX XXXX XXXX and a member of their Small Business Lending Operations staff they corrected problem with three additional, but unrelated, accounts. <P/>I 've attempted to follow up for several months ( and have supporting documentation to include statements and emails if necessary ) regarding the status of this specific account but never received any resolution or a complete response. In contacting them today to follow up with this issue they insisted that " they '' did, in fact, correct the issue but the account was delinquent. I informed them that I received no such notification and I then I proceeded to go through each invoice and read the interest rate and fee reversals to demonstrate the requests were incomplete. After that the representative informed me that they were not able to provide an alternative and advised me to contact the VP for the XXXX XXXX XXXX XXXX ( XXXX XXXX ) but unfortunately I have yet to see any resolution.
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Physicians & Dentists Credit Bureau (WA)

Agency called me on XXXX/XXXX/2017 and left a voicemail message. Returned the phone call and requested to not be called, as I have received no validation via mail. The women said my number would be removed. She then called my husband and asked him for my phone number and lied telling him that she had important information regarding a XXXX  appointment. Then called me three more times and each time I informed her she would not be reaching the person she was attempting to contact and to do not call my phone number and that I would be making reports to BBB, CFPS. Unprofessional AND breaking not only the federal law but state law as well.
Consumer complaint received 2017-09-26
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. (CA)

Experian refuses to provide proof as required to under FCRA. The claim they investigated but have not provided proof. 

accounts Account name XXXX XXXX Account number XXXX
Consumer complaint received 2022-08-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not know XXXXXXXX XXXX - XXXX - company nor ever did business with this company. The Credit bureaus HAVE FAILED TO PROVIDE VALID PROOF of ACCURACY!! Upon challenging this, I noticed as A result of challenging this account with the Credit bureaus they stated this account as verified and accurate. They are reporting inaccurate and unverified information on my report. This is a clear FCRA violation. Date Open is wrong, Last reported is wrong, Date of Last Activity is wrong is a violation. Are they not practicing XXXX XXXX Compliance? It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. They have failed to provide me with a copies of any viable evidence, bearing my signature, showing this account is mine and being reported accurately. Please verify this account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by providing all the information below or delete 1. The name, address and phone number of each person you spoke with that varified this account or delete ; 2. Balance and all payment history I have supposedly submitted, what the payment is for or delete ; 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed contracts with me and XXXX XXXX agreeing to their terms or delete ; XXXX. Provide payoff discllosures, interest rate disclosures ; 6. Provide collections ; license number and court documents that allow XXXX XXXX- to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are they collecting on the original account holders behalf or delete. Be aware that a printout of a bill or itemized document does not constitute verification.

In the absence of any such documentation bearing my signature, I request that this account be immediately deleted from the credit file. 

Also In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions. And continued violations under 15 U.S.C 1681 and 15 U.S.C 1692 I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance.

Please DELETE this account while this account is being investigated. Please send an updated copy of dispute results and Full copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KY)

Experian. On XX/XX/2019 received letter claiming that I or someone on my behalf requested a fraud alert on the credit report. I have never made such request. 
Made multiple calls to Experian, either can never reach a live human, or kept getting transferred 5 times, or they simply disconnected the call. Also called someone in " Senior Regulatory Affairs Associate Experian Consumer Affairs '', their line sounds like it is disconnected. In sum, there is no way to reach a human being that knows how to remove such fraud alert.
Consumer complaint received 2018-03-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FORD MOTOR CREDIT CO. (FL)

For the past two months i have gotten in touch with Ford Credit to report my payments to the credit bureaus. it has fallen on deaf ears. i am current on my car loan and i am even paid ahead. this is not helping me build any credit.