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: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (DC)

XXXX equifax and XXXX are COMMITTING ILLEGAL ACTIVITY AND DENYING ME AN INVESTIGATION FOR TWO MONTHS NOW CLAIMING AN INVESTIGATION IS IN PROGRESS, WHICH IT IS NOT!! IM opening a new complaint and suing them. They did not investigate and remove XXXX and XXXX XXXX XXXX and XXXX XXXX from my credit reports which are fraud and illegal accounts WITH ILLEGAL FRAUDULANT AMOUNTS AND INACCURATE, FRAUDULANT DATES WHICH UNDER SECTION 609 OF FCRA, XXXX EQUIFAX AND XXXX must REMOVE THIS FRAUDULANT ILLEGAL INFORMATION IMMEDIATELY. I DONT OWE THESE COMPANIES ANY MONEY AND THIS IS AN ILLEGAL FRAUDULANT DEBT. XXXX XXXX AND EQUIFAX did NOT perform a FCRA 609 investigation and PROVE in writing TO ME I owe these companies money for a legitimate debt which I DO NOT. IM NOT CALLING YOU ON THE DAMN PHONE AND SITTING ON HOLD WITH YOUR DEVELOPING WORLD CALL CENTER FOR HOURS TO GET MY CREDIT REPORT AND HAVE THESE FRAUDULANT ILLEGAL ITEMS REMOVED FROM MY CREDIT REPORT.!!. I HAVE REPORTED TRANUNION TO THE DC AND DELAWARE ATTORNEY GENERALS OFFICE, CASE NUMBER XXXX! XXXX EQUIFAX AND XXXX despises and discriminates against XXXX people AND XXXX veterans and intentionally causes them pain suffering and emotional distress!! I INTEND TO SUE XXXX EQUIFAX AND XXXX, THEIR PRESIDENTS AND ENTIRE BOARD OF DIRECTORS FOR PAIN SUFFERING AND EMOTIONAL ABUSE. XXXX EQUIFAX AND XXXX ARE NOW SOLELY REPSONSIBLE FOR ME NOT BEING ABLE TO PUT A ROOF OVER MY HEAD. THEY REFUSE TO PLACE IN WRITING THAT I DO NOT OWE XXXX OR XXXX OR XXXX XXXX ANY MONEY! REMOVE XXXX XXXX AND XXXX XXXX FROM MY REPORTS IMMEDIATELY!! IN ADDITION, XXXX EQUIFAX AND XXXX ARE RE-AGING THESE FRAUDUALNT ALLEGED ACCOUNTS TO MAKE IT APPEAR THEY ARE RECENT, WHICH IS ILLEGAL AS WELL.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I 'm not swayed that XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (ND)

I have contacted the AR Resouces Agency through this site already and their response was that the an incorporation in PA, holding the same name, holds my debt. I have contacted the Credit Bureau Companies and they have informed me it is the agency from FL. I want written validation and contact from this agency claiming I owe a debt from an institute where it was stated it originated. The originating institute has no record of this owed debt or of giving this nonexistent account to debt collections. 
The only way I found out I had this debt, is it appeared on my credit score after being open for 2 hrs and I have received no contact or notification from any agency.
Consumer complaint received 2021-12-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (TN)

My FHA Mortgage was originally with XXXX XXXX. I have always paid my Mortgage on time. However during the pandemic shutdown when I was kept from working, I had to put my mortgage on a COVID-19 Forbearance. When that Forbearance ended I signed a XXXXartial Claim Deed Of Trust stating that the balance was to be paid back if I sell my house, in the case I refinance or by the due date of XX/XX/2049. Now Midland Mortgage has purchased my loan from XXXX XXXX  and they have not been honoring the Partial Claim Deed Of Trust I signed back in XX/XX/2021. They have been sending default letters in attempt to collect that debt claiming that if I do not pay in full by XX/XX/XXXX they will escalate to foreclosure. Besides the fact that my partial claim deed of trust clearly states the balance isnt owed until XX/XX/2049, that balance is owed back to XXXX, XXXX, not Midland Mortgage. Ive made several attempts to resolve this with Midland Mortgage. Ive sent Notices of Errors, I have sent request for accurate Information & I have made several phone calls. Every time I speak with Midland Mortgage they claim they are waiting on all the documentation needed from my previous lender XXXX XXXX  in order to update my account. However when I contact XXXX XXXX  they claim they have transferred all of my documents required to Midland Mortgage.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

on XX/XX/2021 I have recently reviewed my credit report and notice there are items reporting that I have no knowledge of, I never had any consumer transaction, credit extended, or authorized doing any business with the companies, as a matter of fact, I was never notified that these items were going to appear on my credit report, I have sent you a letter of my concern of the misleading, untrue, inaccurate and unproven items on my credit report but I have not received a response for you yet, I'm positive this is a violation of my consumer rights
Consumer complaint received 2021-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCSPLUS INCORPORATED (PA)

The debt in question was paid some time ago. Yet, every month, or less frequently, National Credit Systems UPDATES the account as if new information/payment was processed, and reports new dates ( with the last reporting being XX/XX/2021 ), thus having a significantly negative impact on my credit profile and score ratings. Continually reporting that an account has been updated, when it has not, technically constitutes still attempting to collect on a paid debt.
Consumer complaint received 2022-08-23
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: Capio Partners, LLC (FL)

On XX/XX/2022 CAPIO added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA CAPIO has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2021-12-17
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-17
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. (LA)

I am filing a complaint under FCRA and Fair credit and billing act. I would like to see full validation and what the company right to collect on these accounts. I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on myXXXX credit reports : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2022-10-15
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: Self Financial Inc. (WI)

On XX/XX/XXXX, I sent a XXXX Letter by certified mail to Self Inc explaining my hardship and how that resulted in a late payment in XX/XX/XXXX. On XX/XX/XXXX I received a response from Self Inc by email stating they are not able to accept XXXX Letter Requests to remove factual information from credit reports and that the late payment will remain on my consumer report. On XX/XX/XXXX, I sent an email to the CEO XXXX XXXX with my XXXX Letter explaining my hardship and how that resulted in the late payment in XX/XX/XXXX and asked for the information to be permanently deleted from my consumer report. On XX/XX/XXXX, I received an email from Self Inc again stating they are not able to accept XXXX Requests to remove factual information from credit reports. On XX/XX/XXXX, I responded referring to U.S Code 1666b ( Timing Payments ) which states " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ''. I explained that by reporting the late payment they are violating my Consumer Rights and are hindering my credit so I demand they delete the information from all credit reporting agencies. On XX/XX/XXXX, Self Inc responded back again stating they are not able to remove the factual payment history they are reporting and that I can also close my account if I am experiencing hardship, or wish to opt out of the program. I responded the same day referring to 15 U.S Code 1681a ( 2 ) ( i ) ( Exclusions ) which states a consumer report does not include " report containing information solely as to transactions or experiences between the consumer and the person making the report. I continued by stating it is illegal to report late payments on a consumer report and I demand them to delete the information. I also included screenshots of the Consumer Laws for their references by did not get a response back. On XX/XX/XXXX, I sent Self Inc a certified letter explaining my Consumer Law 15 U.S Code 1681a ( 2 ) ( i ) ( Exclusions ) and to delete the unlawful information. On XX/XX/XXXX, I received an email from Self Inc stating I requested a validation letter for an account I did not ask for. The account they are saying I asked for validation for does not have any late payments reporting to my consumer report, so I do not see how they confused the two accounts. I have continuously reached out to Self Inc along with the CEO to fix this issue and the company is refusing to comply with my rights to remove the late payment in XX/XX/XXXX.
Consumer complaint received 2022-10-15
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. (MO)

Hard inquiries on my credit report and its saying my credit report down, I dont recognize these charges In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2021-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I am invested in a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Texas. They were returning my investment via Wire Transfer from their account to mine via XXXX XXXX ( their bank ) via Chase into XXXX XXXX, where my account is- under the name of XXXX XXXX XXXX, XXXX. The original wire was made XX/XX/XXXX ( see attached IMAD # ) but the wire issuer made a single digit mistake - making the first digit a " XXXX  '' instead of a " XXXX  '' - which stopped the wire. We attempted to contact CHASE who received the wire, but repeated phone calls and emails to Chase 's wiring department went unanswered - phone calls said " because of XXXX, then hung up '' every single time. We had no way to contact them. On behalf of myself, the recipient of the funds ( {$23000.00} ), XXXX XXXX initiated a recall on XX/XX/XXXX furthermore I contacted CHASE where I have a credit card and they said they could do nothing. Since our recall, neither XXXX XXXX, XXXX XXXX, XXXX XXXX or myself have gotten no response. If we call they have a recording " because of XXXX we can't take this call or something to that effect '' - and hangup. As we approach the holidays, it's going on 90 days and it is now creating significant hardships and we see no alternative but to write the CFPB as Chase will not return my money and there is no other recourse. Please see the attached two documents that show the initial WIRE AMOUNT - the mistaken Account # ( XXXX XXXX not XXXX XXXX ) and the IMAD # of the wire made. CHASE Is holding my money and will not give it back or communicate. The recall on XX/XX/XXXX has done nothing. In addition, XXXX XXXX below ) also made a second wire for {$10000.00} I believe, which they are also in possession of and will not return. 
Please email me if questions XXXX or call XXXX XXXX XXXX XXXX XXXX - key contacts involved are below. 

Cc : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, WA ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Months ago I received your correspondence on this alleged account stating you verified/ updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely XXXX off.
Consumer complaint received 2022-07-05
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: Affirm Holdings, Inc (NC)

On Monday XX/XX/XXXX I received a communication from XXXX XXXX a collections agency. On this date I was advised that I had a charged off loan with Affirm for {$1600.00} in association with XXXX. I reported this as fraud and the representative advised she would submit this back to Affirm has fraud. Immediately, I contacted Affirm and reviewed my loan information. They had XXXX loans on file under my information but only XXXX were rightfully mine ( XXXX, and XXXX both paid per agreement and in good standing ). The remaining XXXX that do not belong to me with Affirm were XXXX, XXXX XXXX and XXXX. I have initiated a fraud claim and currently waiting communication. I have also offered to provide a letter of security breach sent to me by my previous mortgage provider XXXX. This letter outlines the details of a security breach they experienced from XXXX XXXX XX/XX/XXXX where my information was compromised. I currently await a communication regarding my fraud dispute to provide them with this letter. I have also submitted this letter and fraud investigation with XXXX, along with a credit report freeze and fraud alert on my credit report that has been sent to all three reporting agencies. At the current moment my XXXX XXXX dispute is in progress, and I was advised to initiate a complaint via XXXX or a police report regarding this credit report dispute.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My identity was compromised and someone tried to use my personal information to request new credit and submit credit applications. It does look like the accounts were open, however, the fradulent inquiries are showing on my report. I tried to dispute it XXXX and they did not even investigate the issue. 

Here are the companies that I did not request credit and are fraudulent inquiries : XXXX : XXXX XXXX XXXX XXXX submitted on XX/XX/XXXX on XXXX XXXX XXXX XXXX  XX/XX/XXXX on XXXX TransUnion XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX on TransUnion XXXX XXXX on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-12-17
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: AES/PHEAA (CA)

FEDLOAN SERVICING IS Reporting a balance of {$2000.00} on a closed account since XX/XX/2013 with a monthly payment of {$24.00}. XXXX will not update account that has been closed over 7 years.
Consumer complaint received 2021-11-25
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: AES/PHEAA (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX XXXX shows derogatory information on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-11-25
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. (NY)

I am XXXX XXXX and I am submitting this complaint myself. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : ( XXXX XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2022-10-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have a XXXX XXXX on my credit report. I have disputed many times with the credit bureau and ask for verification that this debt belongs to me, All the credit bureau sends back is payment history which I did not ask for that. I ask for what is the method of verification the credit bureau has been using. How did the credit bureau determine that this debt belongs to me without no verification. 

This charge off collection is reported completely under a different name that is attached to my credit report. My full name is XXXX XXXX XXXX. I want this charge off to be removed. The credit bureau also went ahead and close a charge off account
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (GA)

I reported these Transactions last month but I was told the boarding pass had my name on it which is not true. These transactions were not authorized. I have not been able to get any help and when I call the call center, the agents are very rude. Im not understand why i cant talk to anyone in the dispute department. This bank is too big not to be able to talk to anyone in the dispute department. 

XX/XX/XXXX XXXX XXXX Debit Card Purchase XXXX XXXX XXXX XXXX XXXX XXXX Debit Card Purchase XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Debit Card Purchase XXXX ____________________________________________________________________ XXXX XXXX XXXX I have disputed this transaction after fighting with the hotel to refund me my money for a hotel stay that i did not stay at. The room was nasty & dirty and I canceled my stay at the hotel and I was told I wouldn't be charged for this and I was still charged. Well I have provided the bank with all the info that was needed and still I was denied a refund and no one can tell me why.
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (OH)

I received a phone call from ERC, or Enhanced Recovery Company on XX/XX/2021. I didn't speak to them and hung up, found out they were a debt collector by XXXX their phone number, made a debt validation letter and sent it to them via certified mail. I didn't receive a validation letter with paperwork about the debt until XX/XX/2021. They were supposed to send me a debt validation letter within 5 days and they did not. This debt collection needs to stopped and deleted. I have attached additional information.