davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IA)

ERC submitted negative information to my credit profile that has already be deleted with another creditor who provided me a letter of deletion. I advised ERC the account was a established without my permission and paid the account with the understanding they would be settled an removed. I contacted ERC a half dozen times maybe more to request a letter of deletion of the info that had not been reflected perviously. This has caused me not to be able to continue with my home purchase with one of the lenders I was going to use.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX XX/XX/2022 RE : PERMISSIBLE PURPOSE LETTER To whom it may concern. 

I, ( XXXX XXXX ) never gave ( EQUIFAX, XXXX, OR, XXXX XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXXXXXX XXXX XXXX XXXX Unverified Account
Consumer complaint received 2017-09-10
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (KY)

My XXXX husband used my account without my approval and it was never sent to me in the mail until after the divorce so it was not part of the XXXX settlement. I have attempted several times to contact both the credit bureau and Amazon store card and neither will knowledge this.
Consumer complaint received 2023-01-28
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. (CA)

Updated and introducing new information. I went to purchase a automobile and ask for them not to run my credit with multiple lenders. They did not listen resulting in un lawful inquires, making my consumer report inaccurate. 
In accordance with FCRA section 611 this company violated my consumer rights! XXXXXXXX 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 XXXX2
Consumer complaint received 2021-11-27
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. (IL)

I have put in a dispute for XXXX XXXX that is showing on my credit report, the have fail to remove the collection while it's being investigated which is a violation of the FCRA removing collection from consumer file while being investigated.
Consumer complaint received 2017-09-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

Three attempts have been made via certified letters asking for validation to debt, according to Fair Credit Practice Act, with evidence of signature that I owe stated by XXXX XXXX XXXX The debt collector is stating that I owe them {$160.00}, they sent more " debt owed '' letters in attempt to collect and sent a itemized statement that is not valid and does not constitute verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. The attempts were made to remove their information from all three credit monitoring agencies.
Consumer complaint received 2021-11-27
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. (TN)

hey, my name is XXXX XXXX. this is my XXXX time filing a complaint against this company for failing to abide by the FCRA laws this is my last time attempting to allow them to make things right outside of a courtroom. if this company fails to comply I will have no other choice but to seek legal action. because of the things that this company is reporting it has made it extremely hard for me to get my life together. I have struggled to find a place to stay and provide for my XXXX kids. I have attached screenshots of my previous complaints which one was closed because the company said it was an unauthorized 3rd party at this point I feel I am being taken advantage of and I feel they are using stall tactics to not follow the proper procedures required by FCRA laws. I am asking for the last time that please remove all these unauthorized items from my consumer report.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

After pulling my credit report From XXXX I noticed they had an address that I have NOT resided at before and a name I have never used. 

Invalid Address is : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX Name I Have Never Used : XXXX XXXX XXXX Invalid Accounts I did not sign my signature on : XXXX XXXX  # XXXX - Never signed any accounts with my signature for {$34000.00} XXXX XXXX  # XXXX - Never signed any accounts with my signature for {$13000.00} Under the Fair Credit Reporting Act, the credit bureaus are supposed to report TRUE and ACCURATE information. Please advise them, they have XXXX XXXX  to remove this information.
Consumer complaint received 2021-04-21
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: Northeast Recovery Solutions, LLC (KS)

National Recovery Systems called to collect a debt. I verified to make sure the mark would be removed from my credit report seeing I was trying to fix my credit score. They agreed it would be removed so I paid the amount asked for. Why would I ever pay money to keep it on my report? I verified it would be removed before paying anything and now they say they dont delete items.
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

changing terms of loan from XXXX y to XXXX yover charging escrow taxesrefused to sent me a vod. validtion of debt per section XXXXXXXXbuying home insurancerefusing paymentsnot paying taxes
Consumer complaint received 2017-09-09
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. (IA)

Equifax was the subject of a cyberattack and failed to protect the sensitive, personal information I trusted them with. 

The breach lasted from mid-XX/XX/XXXX The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
Consumer complaint received 2021-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WorldRemit Corp. (AR)

On XX/XX/2021 at XXXX central standard time I received a text message from phone # XXXX that said, exactly, We? ve had a request to change your WorldRemit account details, if it wasn? t you, contact us immediately so we can block the changes and keep you safe, than on the same date at XXXX central standard time from phone # XXXX I received a text message saying, Great news from WorldRemit. Your recipient has received XXXX ) reference number XXXX ). Thank you! Than on the same date at XXXX central standard time I received a text message from phone # XXXX, saying, Great news from WorldRemit. Your has received your transfer.. I did not open this text message to read rest of the message. 
I have never done any business, transfers, anything with WorldRemit, I go on line to check my checking account linked to my debit card and discovered 2 pending transactions both the same exact amount of {$90.00} each listed exactly as WorldRemit XXXX CO XXXX Y, then another one in the amount of XXXX listed exactly WorldRemit XXXX Co XXXX Y at which time I contacted my banks 800 number at XXXX central standard time on XX/XX/2021 to report the unauthorized charges in which the lady who I spoke to immediately canceled my debit card advising me to go to my nearest bank branch location when they open, Im unable to determine if they are open today XX/XX/2021 with the information provided for several branches stating they open at XXXX XXXX  but specifically stating, XXXX XXXX may effect these hours, I will call at least 3 branches after XXXX to check on weather or not they are open, if not I will be at my local branch Tuesday, XX/XX/2021 to fill out fraud paperwork as was advised with the lady I spoke to XX/XX/2021 on the 800 # on the back of my debit card. 
On XX/XX/2021 I received another text message at XXXX central standard time from phone # XXXX saying, XXXX XXXX your WorlRsmit transaction XXXX is pending due to the limits or your recipients mobile wallet. Kindly check your email for details. I have not received any emails in reference to anything remotely close to this WorldRemit not even in my spam/junk email. 
I have filled similar 2 separate reports with the XXXX XXXX XXXX Scam recovery spam tracker forms, the 1st report was for the 3 separate text messages within XXXX minutes of each other and the other report from the test I received on XX/XX/2021 at XXXX XXXX  central standard time. I took screenshots of everything for evidence for anyone who needs them obviously for only those are legitimate companies that combat these type fraudulent activities and my bank institutions.
Consumer complaint received 2017-09-11
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. (WI)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (NY)

Truist bank froze my account pending my fraud claims to be resolved which have all been resolved in my favor and I still cant access my account I would like a new bank account and my money transferred to it or close my account and send me a check immediately
Consumer complaint received 2022-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

I received my student loans from Navient ( formerly XXXX XXXX ) between XXXX to XXXX. I am trying to obtain records because Navient did not report to the National Student Loan Database accurate payments I've made between XX/XX/XXXX to XX/XX/XXXX. When I called Navient, they claimed that my loans been over 10 years and they don't keep histories of loans for more than 10 years. They said it's been consolidated in XX/XX/XXXX therefore, the new servicing agency should have all my payment histories. I called XXXX  and they denied that claim. They sent me all my payment history from XX/XX/XXXX to XXXX which is the time frame of when I was with XXXX. 

The problem is, while I was making payments on both federal loans and private student loan ( which I paid off the private student loan from XXXX XXXX in XX/XX/XXXX ), there are no histories of any of that on the National Student Loan Database. Due to the PSLF Waiver program, I should have received payment credits from XX/XX/XXXX to XX/XX/XXXX since I've worked in at qualifying employer, but I have not gotten credit for any of that because Navient did NOT report my payment histories during that time frame. I can't even find my private student loan on the National Student Loans Database because it didn't report that. Navient has been scheming students and parents and now I can't qualify for the waiver because even Department of Education don't even have records of it on their Master logs because Navient have not provided records of it. When u called Navient, they simply just turned me over and told me they don't have records of my record anymore. I have a 1098 tax form that showed I've payed student loan interests in XXXX, XXXX and XXXX from XXXX XXXX. How can they not record any of my payments, but issue a 1098 form for all those years???!
Consumer complaint received 2017-09-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I contacted CFPB regarding National Credit and XXXX XXXX XXXX regarding an apartment I rented and because of that complaint, the company has stated on my credit report that I made a payment. This is totally untrue, I have not made a payment as I do not believe I owe them at all. They have 2 accounts on my report, in the amounts of {$3400.00} and {$1000.00}.
National Credit continues to make false statements on my report. When is it okay for them to report false information on credit reports?
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

Contacted XXXX XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2019-10-25
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (TX)

My wife and I entered into a reverse mortgage on or about XX/XX/XXXX with AAG. The process began in XX/XX/XXXX. At that time the taxes on our homestead we're deferred since XX/XX/XXXX. Upon AAG 's request we submitted proof of the tax status along with a copy of the Texas Deferment law. AAG accepted the status and indicated they did not required payment of any deferred taxes. Insurance was required and has been maintained. 
In XX/XX/XXXXAAG, by phone and by US mail stated while this was once allowed, they no longer hold that position and wanted all deferred taxes paid. In XX/XX/XXXX AAG sent the amount {$82000.00} to the county of XXXX. XXXX for property and MUD taxes our our property. The amount was incorrect and done without permission. The county is refunding the money and has reinstated the deferred status. 
AAG is threatening foreclosure if the taxes are not paid IN FULL. 
HUD has stated foreclosure is not available to over XXXX or XXXX individuals a copy of the ruling has been submitted to AAG. They are insistent this will be the result and have given dates the process will begin ( after XX/XX/XXXX ). 
At XXXX years of age to be put in this position, without knowledge this could occur, and with their assurance we did not have to bring the taxes out of deferment at the time of signing the reverse mortgage contract, mimics predatory lending practices.
Consumer complaint received 2017-09-11
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. (NY)

" Equifax, one of the three major consumer credit reporting agencies, said on Thursday [ XXXX XXXX, 2017 ] that hackers had gained access to company data that potentially compromised sensitive information for 143 million American consumers, including Social Security numbers and drivers license numbers. '' - The XXXX XXXX XXXX ( source : XXXX XXXX XXXX XXXX  ) Equifax had a significant data breach and when they offered their service of free credit/ID protection/monitoring for a year, they had an arbitration clause in relation to TrustedID Premier in which, to access this " free '' service, we have to sign away our rights for any potential future legal proceedings with Equifax that may arise ( source : XXXX XXXX XXXX XXXX XXXX ) To add further instult to injury, the dedicated data breach checker set up by Equifax at https : //www.equifaxsecurity2017.com is largely useless and seems to be giving a pre-determined response. It appears that they do n't really know who has been impacted ( source : XXXX XXXX XXXX ).
Consumer complaint received 2021-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (MI)

On XXXX someone from the bureau company reached out from me saying I owe the debt I told him I didn't order that I don't even know what that is they told me they were going to take me to court assuming for the day and that I should pay it and that they would take half payment if I paid it today 50 % off
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2022-02-08
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. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2017-09-10
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. (AZ)

I have been disputed this account information two many times and the wrong information never get fix it, this account have been discharged after bankruptcy chapter XXXX case # XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX  XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-10
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. (MA)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.