davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
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. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 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 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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-21
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

I contacted the collection agency to obtain a settlement offer. The representative told me that I need to provide my income in order to determine if I qualified for a hardship settlement. I provided the representative with my income, and he asked me what my car payments behind, and I communicated to him that it was not. He told me that it was no way possible for me to bring in the income that I communicated, and that they would not be able to work with me. I explain to him that I had money in my savings account to help me with my bills. I also communicated to him that I do contract work, which means that my income varies based on the amount of clients that I see. He told me that they could only offer me 10 % as a settlement and that if I called back they would not offer me a settlement offer and this will report negatively on my credit. 
He told me that they could only offer me 10 % as a settlement and that if I called back they would not offer me a settlement offer and this will report negatively on my credit. 
I filed a complaint with their compliance department on the website, and no one has followed up related to the improper treatment from the representative.
Consumer complaint received 2021-03-24
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: Experian Information Solutions Inc. (TX)

After reviewing my credit report, I sent a letter to Experian in XX/XX/XXXX asking for accounts showing on my credit report for XXXX XXXX XXXX to be validated. I received a response from Experian online dated XX/XX/XXXX stating that the company that reported the information has certified to Experian that the information is accurate. I received another response online dated XX/XX/XXXX stating an account for XXXX XXXX XXXX was updated. 

I sent a follow up letter to Experian on XX/XX/XXXX requesting to receive an original contract bearing my written signature showing that I am responsible for the alleged debts reporting on my credit report from XXXX XXXX XXXX. 

I received an online response dated XX/XX/XXXX stating the accounts with XXXX XXXX XXXX was updated, not changed, and the company that reported the information has certified to Experian that the information is accurate. 

There were no contracts or signatures for the alleged debts at all. Simply stating an account is verified or accurate without providing a written signature does not validate the debts and anybody can send a letter or say its mine. According to the FCRA, Experian has violated my rights as a consumer and I am requesting legal action to remove these accounts immediately.
Consumer complaint received 2017-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

XX/XX/XXXX Re : Conveyance Modification with Ocwen Loan Servicing XXXX XXXX XXXX LOAN # - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Good afternoon, I 'm filing this complaint/request for assistance with regards to the mortgage that I have been performing on, for the last four years. My mother, XXXX XXXX XXXX XXXX away in XX/XX/XXXX and I have been performing on this loan, with Ocwen Loan Servicing, ever since. 

Unfortunately, I did fall behind on my payments and I 'm trying to initiate a Conveyance Modification dialog - to put the loan in my name and continue to move forward. Because I 'm not authorized, Ocwen wo n't even discuss this situation with me, however, they 've cashed every payment that I 've sent them, since XX/XX/XXXX. On XX/XX/XXXX, I was granted a probate hearing for XX/XX/XXXX, to assign me as XXXX of the XXXX. 

This hearing is the day AFTER the scheduled sale date of our home. We 've submitted the hearing information to Ocwen, but do not have a means by which to confirm that they have postponed the sale, in order to allow me to be assigned XXXX of the XXXX and engage them in a Conveyance Modification. 

PLEASE assist us with this!! My daughter and her child live here with me and I 'm an elderly citizen, who wishes to keep a roof over my head! 

My contact information is - XXXX XXXX XXXX and the Probate Trial information documents are attached. 

Thank you for your help!!
Consumer complaint received 2023-04-15
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$720.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$640.00} XXXX XXXXXXXX Balance : {$530.00} XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-10-03
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. (TX)

Spoke to XXXX ( XXXX ) in the Office of Consumer Affairs with Equifax XXXX XXXX XXXX on XXXX XXXX at XXXX am. I also spoke with XXXX ( XXXX ), I also spoke XXXX as well and she provided her employee ID ( XXXX ). I have also spoken with XXXX ( XXXX, and unfortunately, none of the agents wanted to assist, even though I am assigned to this department. I provided account number of XXXX XXXX, ( that was deleted from my file in XXXX XXXX, and placed back on to the file in XXXX XXXX. I have spoken to Equifax Office of Consumer Affairs, until this date they have continued to violate my consumer protection rights as a consumer. They have issued my consumer report to a third part agency ( XXXX XXXX ) listing the items that are fraudulent on my credit report. All of the agents above have stated that they are not able to assist me, at this time over the phone, I have filed Mutiple complaints through the CFPB regarding the Equifax Office of Consumer Affairs, and nothing is done. Please help me to understand how an agency that is issuing consumer reports are able to not keep accurate information and continue to report fraudulent information to third parties regarding my consumer. Also, the calls are outsourced to foreign places outside of the XXXX.
Consumer complaint received 2023-06-15
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CBC Companies, Inc. (CO)

Received notice from INNOVIS Consumer Assistance that they were " required to send this letter per the Colorado Consumer Credit Reporting Act requires consumer reporting agencies, like Innovis, to notify consumers that negative information was added to your credit report ..... '' This Notice, states that " Accounts with Negative information was added to my to your Innovis Credit Report wishin the past 12 months ''. And it states 1 ( one ) item was added. 

When I tried to call the XXXXXXXX XXXX listed, it answers with recording, telling me to record my Social Security Number and name and address. 
Of course, I did not do that. 
The " case ID # '' listed on this paper is : XXXX The only listed address is XXXX XXXX XXXX, XXXX, GA. XXXX
Consumer complaint received 2023-06-12
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. (FL)

Im not liable with XXXX XXXX XXXX. i do not have contact with XXXX XXXX  XXXX. they did not provide me with the original contract as i requested.
Consumer complaint received 2022-10-03
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. (PA)

Experian is reporting a false account on my report. Which is a clear violation of my rights under the FCRA. As I have never done any buisness with XXXX XXXX XXXX XXXX whatsoever I have no verbal or written agreements with this entity and no Proof was ever garnished as 30 days have come and gone which is another clear violation under the FCRA I have a right to privacy and factual credit reporting as a tax paying consumer.
Consumer complaint received 2023-06-11
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. (PA)

I recently pulled a copy of my consumer report, and noticed that there was an account with The XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, I have contacted the company requesting documentation that they sent a notice out to me, requirement of the FDCPA, because I do NOT owe this alleged debt to them. I informed them that they have violated my federally protected consumer rights, violated federal law- FCRA and FDCPA and committed criminal attacks against me. 

As required by the requirements of the FCRA, furnishers and reporting agencies both must use reasonable procedures, which the CRAs did not do prior to placing this fraudulent account on my consumer report. The inaccurate reporting on my consumer report is also a violation of the FCRA 's requirements of accuracy. 

In addition to the violations committed by the company, the CRAs are just as liable because they did not uphold the requirements of federal law in using reasonable procedures in investigating my disputes, ensuring maximum accuracy and confidentiality. The CRAs conspired with the company to cause financial damage to me.
Consumer complaint received 2023-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (MI)

On XX/XX/XXXX my daughter, XXXX, who was. a XXXX  at the time, received a notice from LJ Ross & Associates for a medical bill. I contacted them to correct the information and put me, her parent, as the guarantor and was provided the details of the expense. There should not be any collection account on her credit report as the debt is not owed by her. I agreed to pay the bill to them and provided my debit card information. They were to take three payments, one per month, of {$72.00} starting on XX/XX/XXXX. They deducted payments and I assumed this was resolved. 

Today, XX/XX/XXXX, I received a call from LJ Ross & associates. They spoke to my daughter and told her that since she is the patient she owes the money but they could not confirm what or when the services were rendered ; only that she owes it because she is the patient. That is incorrect. I contacted the provider who was unable to locate any record of her or me with a balance due. Upon further investigation I was able to find my own documentation regarding this arrangement. 

LJ Ross & Associates was made aware nearly two years ago and confirmed that this debt is not owed by my daughter. They agreed to a payment plan with my banking information to take monthly payments. and corrected the error to ensure that the debt is in my name. 

Today this call came to my daughter with an emphatic agent insisting that my daughter owes the money but could not explain what it was for or when. Further when she was told that the patient, my daughter, is not the guarantor, she stated that she owes the money because she is the patient. That is false. 

Lastly, no letter or phone call indicating that there is anything outstanding owed. She stated that a letter was sent in XXXX of XXXX to the address on the account which had forwarding and neither of us resided in for over a year.
Consumer complaint received 2021-01-19
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. (TX)

XXXX XXXX XXXX XXXX, TX XXXX not my address XXXX XXXX XXXX XXXX, TX 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 Chapter XXXX bankruptcy dismissed Date Filed XX/XX/XXXX Date Resolvedshow tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX not names or addresses see attachments
Consumer complaint received 2016-08-15
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: Receivable Solutions Specialist, Inc. (CO)

I called several times to pay my debt. I emailed as well. No one ever answered the phone or returned calls when messages were left. Thankfully I was able to pay thru the original creditor. I was trying to verify that the company was in fact real, and not a scan before I just mailed a check.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc. (GA)

I sent a complaint on XX/XX/2020 regarding a debt that PDQ says I had with them. I sent PDQ Services requesting proper validation of debt. I have not received proper proof that I am indeed the party they are asking to pay this debt and there is some contractual obligation, which is binding on me to pay this debt. I didn't have any knowledge of this debt and they are collecting on something I never agreed to ever pay. I have sent the XXXX another compliant about there predatory practices. Delete this account immediately from my transunion credit report because XXXX and XXXX  has done so or I will file a lawsuit because they are still violating the FDCPA.
Consumer complaint received 2021-03-24
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. (SC)

XXXX XXXX information was not being processed correctly, i was advised last payment would post accordingly without causing a late fee. But that was not the case once the pymt was posted. causing my prefect pymt history to suffer a late fee. ALL ACCOUNT INFORMATION NOT BEING REPORTED CORRECTLY WITH ALL CREDIT AGENCIES. THE ACCT WAS AREEGED UPON TO BE DELETED UPON PIF.
Consumer complaint received 2023-03-14
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: AES/PHEAA (KY)

This account is a direct violation to 15 USC 1681n, 15 USC 1681o, 15 USC 1681e, 15 USC 1681a2b, and IRS Publication 4681. I have been disputing this fraudulent account for years and it has been extremely difficult, damaging and hurtful. Not only is this not my account all three bureaus have conflicting information from, account type, date opened, payment status, comments, and payment history. Because companies can not keep my information safe, I have been a victim of multiple breeches, fraud, and other identity violations. I have suffered, denial of credit, increased cost of credit like paying XXXX  % interest for a small personal loan, and lost opportunity to obtain credit. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. I've also suffered damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and continuous harassment and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, nausea, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. ) I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092. Please remove this off all my credit reports immediately.
Consumer complaint received 2023-03-14
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: ACIMA CREDIT, LLC (CT)

Acima Digital Fka Simp Act. # XXXX Collection/ Chargeoff XXXX Opened {$0.00} High Balance {$0.00} Balance Individual Account Installment Account Type Closed Condition XXXX XXXX Reported {$0.00} Payment Remarks : Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Payments XXXX XXXX Late Payments XXXX XXXX Late Payments XXXX XXXX Late Payments XXXX XXXX Late Payments Compare this account across all bureaus. 
Hide Comparison Reported Condition Balance High Balance Payment Status Late Payments Amount Past Due Type XXXX Closed {$0.00} {$0.00} {$0.00} XXXX XXXX {$0.00} Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (MN)

I have contacted all 3 credit Bureaus multiple times. I have. Sent them police report showing and trying to prove that there are accounts in my credit that should not be there. There is a personal loan with XXXX XXXX  that was fraudulent there is 3 credit cards one from XXXX one from XXXX  XXXX and one from XXXX  XXXX  XXXX  that should not be there. There is an auto loan with XXXX  XXXX  and another company that should not be there.
Consumer complaint received 2018-09-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

Over the past 13 months Bank of America has been feeing this account {$5.00} per month without proper disclosure. As I need to close this account, they will not do it as there is a negative {$5.00} balance due to their monthly maintenance fee. 
Account number XXXX