davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CONTRACT CALLERS INC (NJ)

Contracters, credits, bill collectors credit cards, XXXX, XXXX XXXX, XXXX XXXX, XXXX, collecto/business accounts all kind of things and if owe I want part for pain and suffering for me lost income and kissing my place for months at hand and losing jobs
Consumer complaint received 2020-08-05
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: EQUIFAX, INC. (AL)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report US DEP ED XXXX {$4000.00} US DEPT ED XXXX {$6200.00} US DEP ED XXXX {$2700.00} US DEP ED XXXX {$1000.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$230.00} XXXX   XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1600.00} USDOE/XXXX XXXX {$52000.00} US DEP ED XXXX XXXX US DEPT ED XXXX {$3700.00}
Consumer complaint received 2020-08-05
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: EQUIFAX, INC. (MI)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (UT)

In early XXXX I received a call to serve as a XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 2 years in the interior of XXXX XXXX XXXX. Because of the unique requirements and difficulties of missionary service, I knew that I would not have access to a computer, or the internet. At that time I decided to close my Discover Credit Card Account, knowing that I would not need it, and that I would not be able to see or access statements, or in anyway communicate with Discover.  I then called Discover, and informed them that I wanted to close my account for the reasons stated above. The customer service agent responded by encouraging me to freeze my account, instead of closing it, to avoid damage to my credit and giving me the option of unfreezing my card when I returned to the United States. I asked the Customer Service representative twice if my card could be charged in anyway, and he affirmed that having the card frozen would be essentially the same as having the card cancelled. I then decided to freeze my card because of the promise given to me by Discover before I started missionary service in XXXX of XXXX. 

In late XXXX my father, out of an abundance of caution accessed my credit card account with information that I had provided him to check on my credit card accounts. He found that discover had posted charged to my card well after the card had been frozen. We contacted Discover,  found that they were residual charges that had been posted months after I had no more access to a computer, and resolved the issue. In Early XXXX I became aware of credit card charges that had again been posted to my frozen card by seeing that they had significantly impacting my credit score, causing it to drop by around 100 points. We again contacted Discover to explain that these were not charges that I had agreed too, ( they probably resulted from some XXXX subscription activated by accident by my younger brother while I was in XXXX ) that my card had been frozen under the idea that this couldn't happen, and that my credit score had been damaged. 

Discover recommended that we enter into a dispute against the charges, saying that was the only way we could have them removed. We tried that, explained what had happened, but received no resolution. I had too instead pay the charges, and live with the damage to my credit score. The charges were small amounts, less that {$30.00}, and I was happy to pay them, even if they were only charged because of a predatory subscription system without my consent and because of bad information given to me by Discover employees, but I do wish the damage done to my credit score to be resolved, as this issue is still negatively effecting me.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

We had a terrible health issue and outstanding medical bills. We had to file bankruptcy still working with Wells Fargo mortgage They were included thru the process. Then XXXX  Wells Fargo breach the contract. First they was paying our property taxes without no notice and we sign a waiver that we would pay our. Self. Then a few months later we called about XX/XX/2012 around that time was told u dont pay this month. You can skip this month payment of course we did they took us to XXXX. They would not stop just send our check back no credit no accept any money the foreclosure fees they just would not work with our lawyers or anyone until they forced us into modified XXXX yrs. Unjust false claims alter records fraudulent was very real in them
Consumer complaint received 2022-08-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (IA)

I spoke to security credit services today XXXX at XXXX central time about a damaging fraudulent negative collection account from them on my credit report. They have this marked as a brand new account from XXXX XXXX which is a lie, the ( orginal account ) is over 7 years old which is thru whynotleasing. 

They purchased the collection account actually from XXXX XXXX which in XX/XX/XXXX XXXX XXXX  called me and harassed me about the account stating i failed to pay XXXXXXXX XXXX and they want payment i informed XXXX XXXX that there was a payment agreement that was set up thru XXXXXXXX XXXX  to pay XXXX a month until account was paid off they agreed to that amount back in XXXX because of child support. XXXX XXXX  refused to take payment on this account on XX/XX/XXXX never heard nothing back from XXXXXXXX XXXX  Fast forward to XXXX when i called security credit services as i had just checked my credit because ingot a alert of a new collection account at the number XXXX. I informed the gentelman on the phone who said the call was being recorded about the issues on my credit report that they failed to send a letter 30 days prior to making a negtive collection account mark on my credit report and if this is their practice that they do not follow the national fair credit debt collection act, his response is they follow the fair credit debt collection act ( sometimes ). I also i formed them that the account is over 7 years old and they couldnt collect on the account. I also informed them that they had also caused me not to get a loan thru XXXX XXXX XXXX XXXX which i have the letter of denial due to the collection account which is the only collection on my credit report. Which i will provide proof of the denial of credit letter upon request. 

I would like this matter looked into and also would like security credit services to provide me montary money damages to be agreed upon at the time of closure of this file. 

I have also gave them a verbal cease and desist on this matter as well. And to repair my credit and take the collection off
Consumer complaint received 2022-06-02
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. (PA)

I pulled my report and saw that i had some inquiries on my report that i didnt recognize. I called the creditors and asked to have them deleted, i also wrote letters to both bureaus and nothing was done.
Consumer complaint received 2022-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Received letter from midland credit management saying I owe {$180.00} to XXXX XXXX ( XXXXXXXX XXXX ) said the account was opened in XXXX of 2019 this is the first time Ive heard about it. I never opened a XXXX XXXX account
Consumer complaint received 2023-02-22
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. (SC)

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, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : MEDICAL ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX & XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

I sent letters to the XXXX XXXX XXXX XXXX XXXX and the XXXX department via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I sent emails directly to the XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I have had excellent payment history, but I have two late payments in XXXX that are severely hurting my credit because they are considered recent. However, I have done further research and found that these late payments are inaccurate. 

I have been begging for deletion since I was admitted into the XXXX XXXX at my local hospital for a severe condition that almost took my life. I could not support my family and while in the XXXX  in XXXX XXXX I lost my job. And even still, I was a loyal customer and ever worst according to my records I did make payments for XXXX AND XXXX of XXXX yet they are reporting two late payments that have irrecoverably damaged my credit score I made ACH payment of {$20.00} on XX/XX/XXXX, {$60.00} on XX/XX/XXXX, and {$20.00} on XX/XX/XXXX
Consumer complaint received 2021-08-13
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: PNC Bank N.A. (PA)

There Was A Credit Card Account Opened With PNC Bank. I Have Fought With PNC For Years Over This Credit Card. I Informed Then Right Away That It Was Not My Account. I Have Submitted Complaints And Several Disputes On All 3 Major Credit Companies And Still No Resolution. I Have Been Trying To Have This Removed From Credit Report For Years. The Account Was Opened On XX/XX/2016. Balance XXXX
Consumer complaint received 2020-08-05
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: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-01-19
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. (NY)

XXXX Bank XXXX XXXX XXXX  / XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX / $ XXXX XX/XX/XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX and XXXX / XXXX / {$420.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX XXXX XXXX XXXX XXXX Bank / {$250.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (CO)

Back in XXXX i rented a car. when i returned it XXXX took days to get it checked back in. well they ended up charging my credit card over {$2000.00}. I ended up disputing it and XXXX issued a refund. well when they issued me a new card they ended up creating a new a new account. well that original account still continues to report with an open balance of {$2000.00} over limit. its taking a huge impact on my score. i have sent messages, letters with proof, called them and nothing gets done. i just want it updated to XXXX. becuase it has not been updated its showing my utilization at over 400 % and and because of it the utilization the points that were taken when first reported have not been retured. the longer this goes on the less likely that my credit will repair it self when the reports are fixed per first progress
Consumer complaint received 2021-08-13
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. (FL)

I filed a complaint on Equifax complaint # XXXX. No where in that complaint did I say anything about inaccurate information in my credit file. Yet this was their response : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. 
They did not even read the complaint. They could not have and responded like they did. My complaint was about Equifax denying me my right to view completed dispute results. Wow. They did not even read my complaint. The results of many of my disputes are available online but I have no way to access them. My complaint was pretty clear. wow what a waste of time.
Consumer complaint received 2018-11-05
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. (AZ)

I was a victim of identity theft and filed all of the necessary paperwork including the police report. I sent the paperwork to the credit bureaus and they removed the item from my credit reports. Subsequently, a collection agency bought the debt and attempted to collect on it as well as placed it on all of my credit reports after it had already been removed. So, I sent them a letter with the documentation showing that this was an identity theft item and as per the law, they should not attempt to report or collect on it. Once again, I had to send the credit bureaus documentation for it to be removed. I have been successful at having the item removed from XXXX  and XXXX, but Equifax refuses to do so. This is a clear violation of the law and I need your assistance in having Equifax rectify this problem and remove the item from my report.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

XXXX5 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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.