davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

I have a issue with unrecognized addresses appearing. I also have a few name variations on my file that are not correct. my full and correct name is XXXX XXXX XXXX XXXX please remove any other variations of my name. The following addresses are not mine please delete : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a error account from FCRA XXXX, XXXX, XXXX, XXXX  # XXXX, XXXX XXXX   # XXXX, XXXX XXXX # XXXX. 
Chapter XXXX bankruptcy XXXX.
Consumer complaint received 2016-04-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I was into a trial period of a SECOND attempt to make my Mortgage affordable. I declined and consequently I fail into the previous mortgage leave me with a debt of {$1100.00} which I paid on XXXX/XXXX/XXXX. It was split as follow {$1100.00} for the trial period plus XXXX on the payment for XXXX. All payment that I had made are trough a Home Preservation Specialist and all the time I had been told that the amount that I did is to make my loan current which never had happened. On XXXX/XXXX/XXXX I have a new mortgage agreement as I will sent to you. It is called Re-cast/Re amortization which become effective on XXXX/XXXX/XXXX. I paid XXXX on XXXX/XXXX/XXXX. I paid XXXX in XXXX/XXXX/XXXX. My account activity today XXXX/XXXX/XXXX asked for {$1600.00} due on XXXX/XXXX/XXXX. My lender has been inconsistent placing my mortgage on the improper status. And lock of communication between departments. XXXX things happened at the same time ; ( 1 ) The XXXX Home affordable plan change from 3.5 % to 4.5 % on XXXX/XXXX/XXXX were also ( 2 ) I had a XXXX trial period declined for me. ( 3 ) On XXXX/XXXX/XXXX I had approval for new recast agreement Bank has not be enable to figure out how remove from de XXXX trial period ; adjust interest rate from previous mortgage plan. Deduct principal according to payments that had made. Since XXXX XXXX I have receiving XXXX statements by month. Last time that tried to setup automatic payment I was transfer to collection department
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

Synchrony Bank chose to close my Lowe 's credit card on XX/XX/23 after some " automated review ''. Really odd timing considering I just contacted them a couple weeks ago to get a new card mailed to my new address. This is a card that has never held a high balance and never had a payment missed. Synchrony stated the following Too Many Revolving Accounts With High Balance Compared To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Many Bankcards With High Balance Compared To Credit Limit Too Many Inquiries 1. Whether I have other accounts with high balances shouldn't matter on an automated review, this card does not and has not carried any balance near the credit limit.

2. What does having a mortgage have anything to do with having a Lowe 's credit card? I shop at Lowe 's for my side job nearly every week.

3. Again, why does it matter if I have other cards with high balances if this one isn't?

4. Synchrony is not attempting to issue me new credit so having many inquiries doesn't matter.

XXXX  XXXX  just did this same thing on another card. The bank will claim your credit score is low, but then lower your credit limit or close your card, causing your credit score to drop further impacting the rest of your financial health. This is straight anti-consumer activity by Synchrony Bank, harming Americans by closing accounts that have never had a negative financial impact to them.
Consumer complaint received 2023-04-05
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; TXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; KXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance {$170.00} ; XXXX XXXXXXXX Balance {$2000.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$7600.00} ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX, XXXX, L.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$4300.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXXXXXX XXXX : {$0.00}
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 2023-04-03
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. (MD)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have been receiving several calls from " Portfolio Recovery, '' which I looked up and learned is a debt collection agency. I do not owe any debt, I have also checked my credit report to confirm this. They leave voicemails without any message so I am unsure if they are attempting to collect a debt from me or not, and if so, what it may be. I have not received anything in the mail, which further suggests to me that this is an erroneous repeated robo-call.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (AL)

I received in the mail a flyer advertising {$400.00} if I opened a new regions account. I opened the account and followed all instructions but they never gave me the {$400.00}. When I contacted them they said it was because I did not enroll in electronic statements within the first 30 days of opening the account. I explained that I attempted to enroll in electronic statements but the enrollment process requested information from my paper statement. As such, I had to wait to receive my first statement before I could enroll in electronics statements. This effectively eliminated my ability to receive the offer when I in good faith held up all requirements on my end. I feel like Ive been defrauded.
Consumer complaint received 2020-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (GA)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2023-04-03
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. (CA)

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-03
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-04-08
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Patrick K Willis Company Inc (IL)

Received a call from an " investigator '' on " a case brought against me. '' She identified herself as XXXX XXXX from XXXX and started asking me to identify myself by giving her personal data. When I asked what the acll was pertaining to she refused to tell me. Upon giving her my personal info she said it was re repossesion of my car. I called the bank and resolved the issue removing my car from repo. Calling her back to notify her she said she would call the bank, that my car still needed to be repossed or I would be taken to court. This is after I resolved the matter with the actual creditor. She is with a third party who was n't even able to discuss the particulars of my matter but still wanted to interject. I 'm now fearful that the agreement with the bank will be reversed after it was resolved.
Consumer complaint received 2022-08-15
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: Affirm Holdings, Inc (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate rhis reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.The accouns need to investigate and delete from erroneous reporting in my file are listed on my credit report : AFFIRM INC XXXX
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I PAID KOHLS IN FULL XXXX XXXX XXXX XXXX WI XXXX AND THEY AGREED TO REMOVE IT FROM ALL CREDIT AGENCIES BUREAUS AND DID NOT!
Consumer complaint received 2020-05-19
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: EQUIFAX, INC. (MO)

I have been receiving in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$450.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX $ XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1400.00}
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

This is not my debt, the companies has received multiple police reports and FTC reports showing my identity was stolen, even the person stole it was caught. Even mo9re so, this company has broken MANY federal laws, as i am the " Consumer '' and never validated any of these debts. With all the supporting documents, i am still being harassed and reputation tarnished and affecvting my future because of laws being broken and false reporting that i have never gave written authorization to do so 15 USC 1681 [ B ] states
Consumer complaint received 2021-11-03
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: Experian Information Solutions Inc. (SC)

On XX/XX/2021 I sent a letter to Experian in regards to my multiple attempts to dispute inaccuracies being furnished to my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every time I dispute anything all they have done is say that they have verified the account without proving and or providing anything to prove otherwise. I requested that they send me all documentation that they, Experian, have on file within 30 days to verify the accuracy of the disputed account. They never sent anything and stated again on my credit report that the account was verified.
Consumer complaint received 2021-02-24
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: SELECT PORTFOLIO SERVICING, INC. (PA)

Filed complaints with FTC # XXXX. Select Portfolio Servicing is not the legal rights to service this loan and currently reporting inaccurate information on my credit report without documentation violate the FCRA, FCDPA AND RESA LAWS!!! The refuse to give me a modification or forbearance under the CARES ACT and trying to sale my home although they are not the PRIMARY LIEN HOLDER AND MY HOME IS APROVED HOMESTEAD IN PENNSYLVANIA. This HOMESTEAD LAW states the only the primary bank can foreclosure NOT secondary banks. XXXX XXXX  does not have any legal right to have SPS PROVIDE SERVICES AS THEIR COLLECTION COMPANY. They are committing FRAUD!
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dynamic Recovery Solutions, LLC (TX)

I received a letter from Dynamic Recovery today concerning a debt with XXXX XXXX, I have not had ANY business with XXXX XXXX, Its over 10 years since I did business with XXXX. I would like verification that this is valid and stop all communication from this Collection Agency. These agencies are buying old accounts and expecting that consumers just take their hard earn money to pay, because of the credit systems, families are being destroyed, agencies like this is ruining households with these types of letters.
Consumer complaint received 2023-04-03
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. (NJ)

On XX/XX/2023 I received a report from all XXXX credit bureaus stating SENSIBLE AUTO placed my account into Collections. 
On XX/XX/2023 I Disputed with all three Credit bureaus regarding XXXX XXXX. For starters XXXX XXXX illegally sent my account to collections months before the legal requirement of 180 days. As well as filed and sent me a copy of Form 1099C Cancellation of debt under code [ G ] signifying that all debt has been paid In Full. I sent this evidence to all 3 Credit Bureau and they only changed the status from Collection to Paid In Full/After Charge off. 
I also noticed that the new reportings from the bureaus all had different last payment dates. 
XX/XX/2023 I Disputed again that this account should be closed and Paid in full and not a charge off or collection, and this time the reports status said Open and comments read late on no more then two payments past due. And the last payment made disappeared.

I then contacted the bureaus and expressed to them that this is a form of Tax fraud from XXXX XXXX because they tried to charge off the car after filing a 1099c to cancel 100 percent of the debt and then try to send me to a collection agency to get more money out of me on top of trying to illegally repossessing my car. I have alerted the IRS of this matter as well.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (AR)

I was sent an email to apply for Carnival Credit Card. In XXXX I was sent a letter with instructions to send a copy of driver license social security card and untillity bill. I got the same letter the next month. I sent the information again.the next month I received th same letter, all with the month changed. So I called an was told that they could not read the information So I sent an enhanced pitcures and got the letter again. By now it has XXXX I sent another response? 
letter and the enhanced copies. I recieved it again in XXXX. When they see my picture and I am XXXX XXXX am I being discrimated against?
Consumer complaint received 2023-04-03
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. (NV)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$310.00}.