davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (GA)

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Consumer complaint received 2022-08-23
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)

The credit bureaus are reporting inaccurate & unknown information on my credit report. My credit report reflects a total of 15 unknown accounts in the amount of {$56000.00} from lender by the name of XXXX. In my attempt to validate this debt via mail XX/XX/2022, I received a return mail noticed due to " NOT DELIVERABLE AS ADDRESSED ''. I addressed this letter according to the information reflected on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. When I brought this to the credit bureau 's attention, to have these accounts deleted from my credit report, I was informed the bureau do not have a process to remove inaccurate accounts, confirmation # XXXX. This is a direct violation of my rights under 15U.S.C 1681 ( n ) : Civil Liability for willful noncompliance, 15U.S.C 1681 ( a ) : rules of construction, 15 U.S.C 1692 ( e ) False or misleading representations, & 15 US.C 1692 ( g ) : Validation of debts.

*Attachment option is unavailable at the time to submit proof of mail to unknown lender.
Consumer complaint received 2022-12-22
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: U.S. BANCORP (PA)

I have filed a dispute in regards to the incorrect items on my credit report with XXXX and XXXX XXXX XXXX, it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

I paid my XXXX Credit Card in Full to the 3rd Party Collection Agency and then once it was paid I contacted the original creditor asking for them to provide me with a receipt of the payment in full. I called in to obtain a paid in full letter from Scynchrony Bank I spoke with XXXX XXXX XXXX who stated they would not be able to provide me with a copy of a paid in full letter until 45 days although I have expressed that I needed it because I was in the process of obtaining a mortgage. I even contacted the third party collection agency who verified that they had already sent it to the original creditor. XXXX XXXX stated that I had already filed a complaint and I feel like this is in reiteriation regarding my previous complaint and I feel like this is in violation of my rights as a consumer. I paid off the balance I by right I should be able to receive my receipt.
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

THIS IS DEBT IS OVER 4 YEARS AND THEREFORE, CAN NOT BE COLLECTED. 
I DO NOT BELIEVE I OWE THIS DEBT, AND THEREFORE DISPUTE THIS ACCOUNT PURSUANT TO FDCPA, 15 USC & 1692G AND MY STATES LAWS. 
THIS IS DEBT IS OVER 4 YEARS AND THEREFORE, CAN NOT BE COLLECTED. 
I DO NOT BELIEVE I OWE THIS DEBT, AND THEREFORE DISPUTE THIS ACCOUNT PURSUANT TO FDCPA, 15 USC & 1692G AND MY STATES LAWS. I REQUEST YOU DISCLOSE THE FOLLOWING IN WRITING.
Consumer complaint received 2021-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I am trying to refinance my mortgage to take advantage of lower rates. If I do that without this charge taken away Ill have to pay it, which would amount to robbery. Please help. 

My loan with XXXX was transferred to XXXX XXXX, XXXX, d/b/a " XXXX '' on XX/XX/XXXX, from JP Morgan Chase Bank XXXX Docs say XXXX is servicing, but when I asked if they were the owners, they said yes.?? 

Chase has been a problem as well. In XXXX I arranged with them to pay my HOA, XXXX XXXX, XXXX XXXX XXXX, XXXX AZ XXXX, dues through escrow. They paid them late several times. The HOA is NOT forgiving. I later took away the request for Chase to pay the HOA dues. 

When XXXX took over the loan, I noticed on the statement there was under Lender Paid Expenses a charge for " legal fees '' for {$790.00}. Totally clueless, I called XXXX and was told only that it was a charge from Chase that they had paid on my behalf and that I owed. I called Chase and got nothing. I sent them a letter on XX/XX/XXXX. I got a letter reply a couple months later that basically said they were working on it. Nothing since. Then, XXXX happened. 

Until that is paid or dismissed they will not allow me to pay down the principal. There is no reason that Chase should have incurred any charge on my behalf and certainly not one that was kept secret and still hasn't been fully disclosed. 
It might have been the HOA filing because of late fees, which they paid late several times. 

Or, it might have to do with the escrow account. I had a problem once with them paying the yearly insurance twice and trying to up my monthly payment to cover it. 

How can Chase be forced to give me the details? I do not owe this charge and, since I didnt even know about it, I certainly never agreed. As the person being held responsible for the charge, BOTH parties ( whoever they are ) should be held accountable for not immediately notifying me of the situation ( whatever it was ). I need to get that charge taken off my account. If you need what docs I have, let me know ( statements, letters, notes ). Thank you.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Security freeze implented via my I'd was cancelled months ago PERMANENTLY. It would be nice of these so called professionals comprehended English because they evidently can not. I am now l locked out and need everything removed YESTERDAY by all three XXXX  agencies XXXX XXXX and Equifax
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

I wanted to purchase furniture at XXXX XXXX  in XXXX, Tx and opened a synchrony bank home furnishing credit card and the owner told me he was going to charge me extra fees if I used that card. I was approved for & XXXX and picked out furniture, but when I realized he was charging that in fees I canceled my order and never received the furniture. He is reporting XXXX. On my credit but I dont have the product so I disputed with Synchrony bank but the took his side and will not put my balance to XXXX. Again I never used the card and never had furniture delivered to my home. Please help!
Consumer complaint received 2019-05-08
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)

As a Missourian in concert with the state law one has the right to bring civil action against anyone including a consumer reporting agency, inwhom improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data. My instant issue here is that I have sent a demand to all of the 3 major credit reporting agencies to either provide me with physical documentation of these unknown and unauthorized accounts reporting on my credit file or to block, remove and/or delete these items immediately Pursuant to FCRA 611 ( a ), and the FCRA. 

Accounts 1 ) XXXX XXXX {$4500.00} 2 ) XXXX XXXX XXXX {$30.00} 3 )  XXXX XXXX XXXX {$680.00} 4 ) XXXX {$72.00} 5 ) XXXX {$71.00} 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX of {$5600.00} 9 ) XXXX XXXX {$2800.00} Please remove all the about accounts from my credit data file.
Consumer complaint received 2019-10-02
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)

After being hospitalized from XXXX  XXXX to my child via emergency XXXX, I requested my accounts to be consolidated XX/XX/2019 to better manage my finances. All of my accounts were approved to be consolidated including XXXX/XXXX XXXX. The Bank instead reported these accounts as late which was disingenuous. This issue has caused my stress and more importantly dropped my score to the point that I can not take advantage of the best available rating for a new home. 


Account : XXXX/XXXX XXXX XXXX ( I have not received a letter of late payment ) this account was confirmed in consolidation and was never late. 

XXXX/XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (GA)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute inaccurate information in my file resulting from the crime. The inaccurate information I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

These following inaccurate information listed below are unknown to me. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX
Consumer complaint received 2022-12-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Eastern Account Systems of Connecticut, Inc. (NC)

I contacted Eastern Account Systems multiple times through phone calls and letters for a contract that this debt is my debt. I have not signed a contract with Eastern Account Systems. Easter Account Systems sent a bill summary from my doctor 's office. This is not a contract with my signature that I have a debt with Eastern Account, on the bill it has been written off which means Easter Accounts has paid a small amount for this debt to try to collect from me, which is we do not have a contract that states it is my debt. Additionally. I live in NC, Eastern account is not license to collect from me in NC. I have attached the bill with the NC address and I also have attached the states Eastern Accounts is license to work in. NC is not one which means they have not authority to even attempt to collect the debt, which once again I do not have a contract for or signed stating this is my debt. 

Additionally, XXXX deleted this collection account off my credit report and according to the law all credit agencies must report that same information.
Consumer complaint received 2021-08-31
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. (NJ)

I'm filing a complaint against the credit bureaus because on XX/XX/2021 I sent them letters about accounts on my credit that are wrong and this companies havent updated my reports. I am in the process of trying to get a loan for a house and the fact that they have not responded to me is unacceptable and definately violates my rights a consumer. I am promised a response in 30 days and it has been well over that. At this point I demand the items I am disputed be removed. I know this companies like to use stall tactics because I have made complaints before but I am the only person that is fighting the wrong things on my report and nobody else. I will attach the letters I sent.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Hi, Hope you're doing well. I have this XXXX  XXXX  card that I've never used and opened on XX/XX/XXXX. 

On the credit report it says I've been late XXXX and XXXX of XXXX. 

That however, could not be true, as I've never once used the card since I've had it. 

So the reporting is inaccurate.
Consumer complaint received 2022-08-23
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: NAVY FEDERAL CREDIT UNION (MD)

I, XXXX XXXX, am submitting this complaint on behalf of myself without any assistance form third parties. I spoke with XXXX on the phone in response to their failure to properly report accurate information. They are not reporting 100 % accurate data as required by FCRA and are violating 15 USC 168s-2 ( b ). They did not conduct a proper reinvestigation with the furnishers of the information. I have also spoke to Navy Federal Credit Union and they told me different information than what they are reporting to the CRA 's. I told them it was inaccurate, they are now aware that there are errors on the consumer report, which is a violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ). This inaccurate data has been damaging to my entire financial profile. I have been denied extensions of credit, car loans and business loans.
Consumer complaint received 2021-08-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SF VAGO, LLC (GA)

I have contacted State Farm with the correct information about the vehicle loan that I been making ontime payments on. I contacted them to let them know I was out of town in XXXX XXXX and I tested XXXX XXXX XXXX XXXX I checked my checking account and a payment did come out of my bank for the XX/XX/2021 onetime payment. I have faxed them a copy of my bank statement and attaching a copy to you as well. The late payment is still showing on my credit report currently.
Consumer complaint received 2021-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

Rocket mortgage would not provide a loan estimate upon request after submitting my application on XX/XX/XXXX. I requested multiple time for a loan estimate but they would not provide one. Even after getting an accepted offer on a property on XX/XX/XXXX, they would not provide a loan estimate until I provided the completed purchase agreement and other documents. For multiple days, they said they " do things differently '' and would not provide that loan estimate without the " required '' documents. They wouldn't even provide information on the estimated closing costs including origination and loan fees. I explained the 3 day requirement and the information provided by CFPB, and they sill would not give the loan estimate.
Consumer complaint received 2021-09-16
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SUN LOAN COMPANY INC. (NM)

I had spoken to the manager at Sun Loan in XXXX, NM and asked not to contact my references or my employer as I am not able to take personal calls. On XX/XX/XXXX my employer informed me I got a call from Sun Loan. My job is on the line now. When I spoke to the manager she said that she did not have anything in my file that they can not call my employer. I did tell her my husband and son both had XXXX  we have been struggling and I will contact them when I am able to give them a payment. She became very aggressive and rude saying she will not stop contacting me and will continue calling me at work and references to get in contact with me.
Consumer complaint received 2022-08-24
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-11-22
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS. I FILED 30 DAYS DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

The company suddenly started charging XXXX $ late fees even though I had been making payments ahead of time, every month for the past 18 months. My payments have always been made on roughly the same date through autopay. It was a promotional interest purchase, so I had set up an autopay through my bank every month. Prior to the promotional payment purchase for the issue in question, my payments never incurred late fees. I tried explaining this, but they stated they could not waive the full 18 mo of late fees. They ended up reversing 3 mo of them. I have excellent credit, make a great wage, may all my bills on time, and usually early. Any reasonable person could conclude this was an error on the billing side.
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd (HI)

XXXX XXXX Transfers are deceitful. They will say that the transfer is completed. And then a day or XXXX later they will say that it was incomplete or that it needs to be funded. They take the draw XXXX. And send the money XXXX 

Theyve done this to me before, so I called them. 

I also checked my bank statement, and I reported it to XXXX, then refunded me the first time. 

But this is the XXXX time, And I have the statement attached that shows the {$110.00} that my XXXX XXXX XXXX already sent. Theyre asking me to find it again. 

They try to legitimize the transaction as an error. But theyre asking us to call them on it. And Im sure a lot of people dont even see it on their statement, or just failed to call them on it.
Consumer complaint received 2021-11-22
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. (MS)

I have been disputing with all XXXX major credit bureaus an account that appeared on my credit reports and that it was not mine. 

I contacted first progress. They reported they were not reporting this. I then contacted Equifax, XXXX, and XXXX that this was not my account. 

They claimed an investigation was done and that it was reporting right. I then reached out to XXXX XXXX and wanted this in writing this time. I submitted a certified letter to XXXX XXXX and received a response. 

I have included the letter and wish to have this removed immediately from all XXXX bureaus or my next step is going to be taking each of the XXXX credit bureaus to court under the Mississippi States ConsumeXXXX Protection Laws. 

I will include the XXXX XXXX Letter