davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

I disputed a public record appearing on my Equifax report. The item has been paid in full and has been released/dismissed by XXXX XXXX 's District court. I requested the item be removed from XXXX, XXXX, and Equifax reports via dispute investigations. XXXX and XXXX removed the public record with no further action on my part. However, Equifax continues to report the item despite the item being released by the court. In addition, I was told on XXXX/XXXX/XXXX ( via phone ) that the item would appear on my file until XXXX XXXX or XXXX because of Equifax 's internal retention policy. The crux of my complaint is that credit reporting agencies should be consistent and accurately report personal information. Failure to do so affects individual creditworthiness and is an abuse of authority. All credit reporting agencies are bound by the same rules, FCRA and individual state of residency policies, which supercede internal company policy, in this instance. As a result, I feel that Equifax actions are unilateral and inconsistent. I humbly request that the public record be removed immediately.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-06-19
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: General Motors Financial Company, Inc. (GA)

On XXXX/XXXX/2017 Americredit Financial made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.
Consumer complaint received 2017-06-19
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

Dear Sir or Madam, While checking my personal credit report with all  XXXX  credit bureaus in  XXXX   XXXX , I noticed several inquiries made by numerous of organizations on  XXXX / XXXX / XXXX . I have reached out to the organizations and no one was willing to help due to the age of the inquires. I have even went as far as mailing certified letters to the credit bureaus requesting for the unauthorized inquires to be removed on  XXXX / XXXX / XXXX .
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (CA)

I was being called non stop about my medical bill that XXXX XXXX has sent to tsi. I never received a bill until XXXX the XXXX. I paid for the bill on XXXX the XXXX and asked to receive a recipet but still never have I called today as well and got no answer its been a month I 'm very upset and feel this is a scam only.
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

THE ACCOUNTS ON THE EQUIFAX REPORT ARE WRONG AND ARE IDENTITY THEFT FRAUDALENT ACCOUNTS. I WANT THESE REMOVED, BUT EQUIFAX DOES N'T COLLABORATE AFTER ALL THE EVIDENCE THAT I SENT SUCH AS POLICE REPORT, IRS AFFIDAVIT, MY GOVERNMENT ID, SSN AND FTC IDENTITY THEFT AFFIDAVIT AS WELL. 
THE UNAUTHORIZED ACCOUNTS ARE : ( XXXX XXXX XXXX ) AND XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MN)

My loan was recently transferred to specialized loan servicing LLC. At my previous servicer I was paying extra each month to principal. I decided to stop paying extra to principal on XX/XX/2022, well in advance of the next payment due date of XX/XX/2022. I received a confirmation message/letter that my request to stop paying additional to principal each month was processed and would be effective XX/XX/2022. On XX/XX/2022, specialized loan servicing withdrew my contractual monthly payment amount and the additional payment amount, despite confirming that the change was processed. This is an error and I should be refunded this amount.
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stellar Recovery, Inc. (PA)

I turned in my equipment with  XXXX  and paid my last statement that I was aware of and then I noticed on my credit repo rt that STELLAR RECOVERY INC  placed a collection against me in the amount of  XXXX . I was unaware of any payment due and never received notification before it being placed on my credit report
Consumer complaint received 2017-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (MO)

I had phone service with XXXX years and years ago. I worked at a company that I did not get service with for the whole time I was there. I wrote to them and advised them that they were not filling their part of the agreement/contract and if I could not get service at my job. I had XXXX other accounts in which I tried to utilize at the job and to my avail they did not have signal either. At that time my contract with XXXX became null and void. I advised that I could have a family emergency or anything that could transpire while I was away from my family and could not be contacted on any of the phones I tried there at the office. XXXX agreed to discontinue my contract with any fees included to be removed considering I had been a previous customer for about 7 years. It was n't a personal decision they could just satisfy my need. They have since taken off the fees and what was owed added them back taken them off and then added them back again. When they add information back to my credit report it is always in a different amount. It went from {$780.00} to {$640.00} and now {$390.00} has been added back to my credit report. I do n't understand how they agreed to have any charges credited from back in 2011 and now every time I lookup there is a different amount being added to my credit.
Consumer complaint received 2016-07-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (VA)

I have paid this account in full, and have made multiple attempts to get a letter stating that I no longer have a balance on the account. They continuously make requests to send the letter, however I have not receive it. My lender also attempted to get a letter, because I need this letter in order to get a mortgage loan approved. I have exhausted all of my resources and they are not helping. I was originally told that I would receive a letter stating that I had paid the account in full, no later than 20 days. it is now over that time period and I have not received it. They are not sending the letter. I have asked to have it sent via e-mail as well as fax and neither has been sent.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am lodging a formal complaint to express my concerns regarding the egregious infringements on my rights as a consumer by XXXX, XXXX, and Experian. These entities are blatantly flouting the Fair Credit Reporting Act ( 15 USC 1681 ) and other pertinent laws.

Under 15 USC 1681 section 602 ( a ), it unequivocally states that consumer reporting agencies must fulfill their responsibilities with fairness, impartiality, and reverence for the consumer 's right to privacy. However, the actions of XXXX, XXXX, and Experian starkly contradict this mandate. As a consumer, I possess the unequivocal right, safeguarded by 15 USC 6801, to ensure that my private information is not shared without my explicit consent.

Furthermore, as per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are permitted to furnish a consumer report solely in accordance with the written instructions of the consumer. I want to emphasize that neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies possess my consent to furnish this information, and they decidedly lack my written approval. 

The failure to apprise me of my right to exercise my nondisclosure option, as required by 15 USC 6802 ( b ) ( c ), constitutes a blatant violation of the law. Additionally, the reporting of adverse information without my permission, as outlined in 15 USC 1681C ( a ) ( 5 ), is illegal.

Furthermore, 15 U.S. Code 1681s2 ( a ) ( 1 ) explicitly prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and Experian are failing egregiously to uphold reasonable procedures to avoid violations of Section 1681c and to restrict the furnishing of consumer reports to the purposes authorized under Section 1681b.

To compound matters, the neglect to inform me of my right to opt-out, as mandated by 12 CFR 1016.7, accentuates a complete disregard for consumer rights. I am hereby formally exercising my right to opt out of any adverse reporting to my consumer report.

Under 15 USC 1681c ( f ) and relevant statutes, I have explicitly requested that adverse information concerning my credit history or any other consumer reports be excluded from reporting to third parties. This opt-out request is effective immediately, and I expect compliance with this directive.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2018-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc. (NC)

I would like to file a formal complaint against XXXX XXXX. I have sent several formal requests, dated XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017 and XX/XX/2017. I have certified mail receipts for the requests to validate accuracy of debt being reported to the credit bureaus. The amount they claim I owe has changed. A request for accurate reporting was requested after each change. Their reporting is inaccurate and incomplete. I've tried disputing with the credit bureaus, and they too say debt, has been verified and updated. When requesting Bureaus to provide how they verify, they fail to comply, which leads me to believe they have false, inaccurate and or incomplete information reporting against my social security number. Which is a serious violation of defamation. That is not legitimate verification reporting accurately. My requests have been clear and specific, but yet, I continue to get the same responses repeatedly that are not addressing my requests to validate this debt and the accuracy of the information being reported.
Consumer complaint received 2016-12-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commercial Trade, Inc. (CA)

I have sent company 2 letters asking for validation of debt. I have never received any communication from this company before they appeared on my credit report. Which violates FDCPA 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). The first letter was received by company XX/XX/2016 by certified mail with 30 days to respond with validation of debt, I received nothing, which also violates FDCPA 809 ( b ). Second notice was received by the company on XX/XX/2016, again by certified mail. After they received my second letter they removed their company name from XXXX thus reporting inaccurate information and violating another FDCPA law. Failure to report these accounts as disputed to all XXXX credit bureaus is yet a fourth violation of my rights under these laws. Reporting on my XXXX report they have returned all accounts back to original creditor but not removing their contact info. As if to defraud and confuse me by making me think they no longer hold these accounts and also reporting with a past due amount of {$0.00} and no payment status. This is also inaccurate and untruthful reporting. I am requesting that these accounts associated with this company be removed from my credit reports due to inaccurate reporting, failing to validate all debts associated with this company, failure to respond with validation within 30 days of request, and failure to report as disputed to all credit bureaus. Each violation carries a {$1000.00} fine. Commercial Trade Bureau has repeatedly violated these laws. Commercial Trade Bureau XXXX , CA XXXX
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

One of our checks was stolen from a payees mailbox and cashed. Bank of America ( BOA ) insist ed we close the accounts ( checking and savings ), which we did. The new accounts show the correct balance but payments are declined if we drawn on those accounts, my debit cards are declined and BOA has not been able to provide access to the funds we have in our accounts. We can not pay bills, or pay for goods with our debit cards. The fraud resolution process at BOA is so broken, it is worse that fraud. I believe that the only solution is for the government to impose regulatory oversight over the fraud resolution process. The level incompetence in the fraud department is staggering.
Consumer complaint received 2017-06-19
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: EQUIFAX, INC. (FL)

I contacted the  XXXX  credit bureaus by phone, mail, and online indicating to them that there are multiple inquiries that I do not recognize. However, they failed to investigate and remove these inquires off of my report.
Consumer complaint received 2015-10-22
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (DE)

I had a scheduled DD for XXXX which did not post to acct, and all prior monies in account were missing. After contacting the company via email the dd was processed manually howerver, my monies that was there {$480.00} was and IS still missing ... I was NOT and STILL can not access it as debit only credit. I was not able to use the atm except XXXX and it took my balance to XXXX although my dd was loaded. My statement is showing as pending with transactions that were posted and paid XX/XX/XXXX. I have emailed them over 10x, messaged them XXXX as requested, called every corporate number and no return call regarding my missing monies. ( I am now missing XXXX that was credited back to my account ) XXXX XXXX has been stating that the system is up working at 97 % capacity which is not true. He states that only individuals who cards were deactivated in error are still having issues, NOT TRUE. Take a look at his Rush card XXXX pages do those comments look as if all is okay.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Prior to XXXX I had Impeccable Payment history XXXX credit score, I value being a financial responsible client/consumer. However, during XXXX I suffered from a major hardship, I had great death in my family I lost my former husband, who at the time was my primary source of income. I also was laid off my Job due to major cutbacks. Being a Widowed wife and a mother of 3 It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX XXXX XXXX XXXX XXXX in reference to 2 Accounts that I had at the time with them. ( XXXX & XXXX ) and requested Hardship options, I agreed to do a settlement with lender account was paid. I was informed me that account would be kept current, no late payments will be reported due to me agreeing to settle account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that creditor remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditor adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amends Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXXcrisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts still remain the same inaccurately Late Payment history.
Consumer complaint received 2020-05-07
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (OH)

Diversified Consultants Inc has reported a collection account to my credit report. I have disputed it and they have verifed the debt to the credit bureau. They have failed to provide any physical documentation to prove this debt or that they even have the right to collect for this debt.
Consumer complaint received 2015-04-23
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I received a text message on XX/XX/XXXX from my general manager at my place of employment letting me know someone was trying to get in touch with me and he gave me their information. I called the number and gave them the reference number. I was then transferred to a gentleman claiming to be from XXXX. He had all my information, social, amount I currently have available on my credit cards and so on. He told me I owe money for a credit card I had in XX/XX/XXXX. I asked why I had n't received anything in the mail and he told me they had sent it, the mail service can be unreliable. I said I wanted something in writing from them, to prove they are who they say they are. I mentioned that I had n't seen anything on my XXXX credit report and he said it was because I needed to check my XXXX one. I told him bottom line I did n't feel comfortable settling for XXXX and issuing a credit card payment without any knowledge of who they are. He said he could send me a generic email, that would n't pertain any type of payment information to set up, just general information. I was leaving for work at the time and he did send the email which did n't even contain a letterhead. I google searched the number they had called from, XXXX, and found numerous complaints about threatening and harassing calls. I also bought my experian credit report and found that a company, XXXX ran a credit check on me on XXXX XXXX, which would explain how he had all my information. I searched that company and found a phone number but when I called that company it was a voicemail saying if I left a message someone would return my call in 24hours. I left it at that. Then today, XX/XX/XXXX around XXXX someone claiming to be from XXXX? called my place of employment asking for the address and my name, my employee then gave the phone to me. It was a woman claiming to be from a processing server company who told me they were planning to come to my place of employment within the next hour to serve me with papers that would require a signature, I said that was fine. She then repeatedly asked if I wanted a number so I could call and have the serving of the papers rerouted, I said no, its fine. She asked what time I would be here until and I said I 'll be here all day. It 's now XXXX EDT and no one has shown up. I explained to my general manager what was going on and apologized for the phone call. He told me that when he was contacted yesterday the woman on the phone was telling him they needed to contact me immediately or that was it, I would lose my chance of any resolution. He also said that he was received numerous call from who he assumes is them again today but he was not answered to avoid any further problems.