davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BOEING EMPLOYEES CREDIT UNION (IL)

BECU, XXXX, opened this account > XXXX XXXX  XXXX XXXX in my name. I never authorized this. I did not request it. It is not my account. I have receive a negatived hit on my credit score that leads to this bogus account. 

I also have noticed the following charge cards ascibed to me that I do not posses and have never signed up for. I do not know where they came from. I demand that they be dissolved and my name removed from all credit listings.These companies FRAUDULENTLY opened accounts in my name. I want them charged and prosecuted as such : XXXXXXXX XXXX  Not available XXXX... 
INDIVIDUAL As of : XX/XX/2022 Charge Card XXXX {$0.00} XXXX... 
INDIVIDUAL As of : XX/XX/2022 Credit Card XXXX XXXX {$0.00} XXXX... 
INDIVIDUAL As of : XX/XX/2022 Credit Card XXXX XXXX XXXX XXXX {$0.00} XXXX... 
INDIVIDUAL As of : XX/XX/2022 THIS IS ILLEGAL. I AM REQUESTING THAT CFPB FORWARD THIS COMPLAINT TO WHATEVER GOVERNMENT AGENCY IS IN CHARGE OF CRIMINAL PROSECUTION OF THIS KIND OF FRAUD. I do not own these instruments. Or is the prosecution of XXXX XXXX and other economical havoc mongering criminal untouchables too much to ask of my government agencies charged with protecting all it's citizens and not just the obscenely rich? 

I demand BECU to close that account and restore my credit.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

So I sent a letter off on XX/XX/XXXX to remove personal information that I do not want on my credit report.According to the fair credit reporting act 15 USC 1681 I have the right to privacy. 
Also according to 15 USC 6802 no financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights. 

This is my only address : XXXX XXXX XXXX XXXX, NY XXXX. 
My D.O.B is XX/XX/XXXX Last 4 of SS # XXXX I sent them a copy of my driver 's license and a current bill attached to the letter. 
I want these 2 addresses listed below to be remove from my credit report. 

Address 1 : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.
Consumer complaint received 2019-10-23
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (MD)

I attented XXXX after speaking with a recruiter who came to my home in attendence with my father. It was soon discovered I would not be eligible for enough financial aid to attend the school, so the recruiter heavily pushed Sallie Mae Financial for the private loans. 

XXXX and its recruiter boasted extremely high job placement and skillsets that would readily have me ready for the workforce, but this was not the case. It was discovered and is now known via mutliple lawsuits that the school lied to its students about its job placement statistics, and its preparation readiness for the workplace. 

The Dept of Education has placed stopped payment on all XXXX XXXX loans, the parent company of XXXX. 

Due to financial difficulties, my student loans went into default multiple times after countless harassing phone calls and threats of wage garnishment etc after difficulties finding employment as the training at XXXX was insufficient to meet many companies standards for jobs. 

After receiving help from family members, my wife and I did a cash out refinance on our home, in order to pay off the remaining loans and remove the defaulted loans from my credit report. 

XXXX 's fraudulent ways and insufficent education, along with predatory practices caused me to incur massive financial penalties. I am currently awaiting reimbursement of all federal and state loans, and am requesting a full refund of all private loans for this fraudulent school.
Consumer complaint received 2020-11-03
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: Synerprise Consulting Services, Inc. (TX)

On XX/XX/2020, Synerprise Consulting XXXX  INC added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Synerprise Consulting did not verify this collection. Also, there is NO written form of communication, contact, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine.

According to the FCRA, Synerprise Consulting SBS INC has violated my rights as a consumer. Therefore, I'm requesting legal action to remove the account effective immediately. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving my permission to XXXX XXXX, for them to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me, but anything more is to only be revealed with patient 's authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Texas Office of Attorney General  Account # 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
Consumer complaint received 2022-10-20
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, Ca XXXX ; XXXX XXXX XXXX  XXXX, XXXX, Ca XXXX ; XXXX XXXX XXXX : {$170.00} ; XXXX XXXX XXXX : {$55.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$120.00} ; XXXX XXXX XXXXXXXX Balance : {$120.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

My issue is an overfunded escrow account which has increased my monthly payments to {$360.00}. mth. The first time this happened, my mortgage company told me my taxes had increased. I'm a senior with senior freezes and homeownership freezes. After investigating with the county, for some reason, Shellpoint was estimating my taxes higher. At the end of each year, I receive a refund. I was paying {$1100.00}. mth, and my monthly payment should have been {$880.00}. mth I live on a fixed income with little room to waggie. The issues in XXXX  the mortgage company again raised my monthly payment. Again I protested and came to the point I could no longer make the payments. On the XXXX of each month, I sent {$1000.00}. They would accept the payment and mark my credit late for 10 months. I was in constant contact but they said they couldn't do an escrow analysis until the end of the year and sent me a check in XXXX for the overpayment. 

Now, after a two-year fight, I have bad credit. This is my problem. I've asked the mortgage company to correct my credit report since I was only supposed to pay {$880.00} mth. I'm looking to see if I have any rights to make the mortgage company change its reporting. Attached is the XXXX XXXX tax bill amount and how much they paid. I sent them a request and their responses need more info XXXX XXXX
Consumer complaint received 2019-10-23
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. (GA)

Equifax reported 3 collections to my account all at the same time. Thus caused my credit score to drop 60 points. These accounts were all paid and show a XXXX balance on each account. I contacted all 3 collection agencies. All three stated they did not recently contact Equifax or update any information to my credit account.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed this it came back verified, even with the payment history being wrong on all three Bureaus this is a charged off account and payment is history is incorrect, and none of them has entered consumer disputes this account this is a violation and MUST be entered when the account has been disputed attached report to prove history is wrong and no dispute comment was entered at all, remove account immediately you can not make any changes on a charged off account it is closed this can not be updated, re-opened or show any activity. 

XXXX shows 60 days late no 30 day late, also shows co, co, co, OKXXXX XXXX also failed to enter comment disputed by consumer remove for violations this is required to be entered after a dispute was made XXXX shows 30 days, 60 then co XXXX co XXXX co XXXX co XXXX co XXXX also failed to enter comments disputed by consumer remove for violations this must be entered at the time of dispute Transunion has never reported any payment history on this account and also failed to enter comments Disputed by consumer Remove for violation this must be entered at the time of dispute
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (AZ)

My loan was in default due to illness, We filed a Chapter XXXX in XXXX Bankruptcy Court and paid on the plan for 3 years, We were able to get a short term loan to Buyout the Chapter XXXX, When we received the payoff letter the mortgage company had added {$14000.00} in fees that we had never been invoiced for and were not included the bankruptcy proof of claim. i contacted the mortgage company by phone, also the lender contacted them and the title agency, They were unable to explain what the fees were for, They said they needed to be paid to stop the .sale of the property. The private lender that was helping us paid the fee, I also faxed a letter requesting a breakdown of the fees. 

I received no response to my letter so I mailed it in XXXX to their address for mortgage problems. In early XXXX, I received a letter telling me that they would have an answer within 30 days. i heard nothing back so mid XXXX I sent a 3rd letter demanding the return of these funds, Yesterday I received the same form letter I had received in XXXX saying that would look into it and resolve it in 30 days..This company is extremely dishonest .There is no way to contact them as they don't answer their phone.
Consumer complaint received 2022-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (AZ)

Tried to call multiple times, unable to get through. Debt is not in mine nor husbands name. Debtors name is similar but not my husbands and address does not match our home address therefore, debt is not ours.
Consumer complaint received 2021-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Because of the XXXX  credit breach back in XXXX  I had over 43 capital one credit cards put into my name I called the company and they said yes because of the breach they would wipe everything out but when I tried to dispute all of them on my credit report it took me over 3 years to get most of them off there are still 6 on there and they will not take them off my credit score has gone down significantly and it was not my fault I have been dealing with this over three years and it has been a struggle
Consumer complaint received 2022-11-29
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: Rocket Mortgage, LLC (CO)

I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXX as hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX/QUICKEN LOANS - XX/XX/XXXX I'm not sure why XXXX XXXX  keeps pulling my credit. they always send me letters in the mail stating I'm pre-qualified for a credit card and i have never ONCE applied for them. As for XXXX, I don't even know who that is and why would anyone apply to the same consumer that close together?
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2020-11-03
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: The CBE Group, Inc. (UT)

I am trying to get all of accounts that are in my collection accounts section on my credit report to be removed and corrected on my credit report ... Because none of these accounts are mine. I have tried to file a dispute with XXXX personally on there site online but it continues to give me an error # ( XXXX ) So im unable to complete the dispute process. 
The only account in my entire report that is mine is for the mortgage loan I have still revolving to this date. Please help.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hi I was a victim of fraud by a company which I thought hired me on XX/XX/XXXX, I received payment from them made my deposit and I end losing my checking account and now i'am unable to bank with other institutions as well as this appears on my record as fraud which I did intend to do please help me bank again
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

There is NO WAY XXXX XXXX, XXXX  or Experian can generate a factual timely up to date and correct credit score based on their method of operation.= a flawed fraudulent method by opinion of scores and reporting facts! As example- to get a Heloc loan a creditor must hold a XXXX score- HA Most Americans fall woefully short! What Credit Score Do I Need to Get a Home Equity Loan or HELOC? Your credit score is an important factor in qualifying for a home equity loan or HELOC. A FICO Score of at least XXXX gives you the best shot at qualifying for a home equity loan or line with good terms You may be able to qualify for a home equity loan or HELOC with a score between XXXX and XXXX, but you will be charged a higher interest rate, and lenders may require that other financial factorssuch as your overall debtare in extra good shape. This agency is a culprit in that their recent report to me and my wife reflect an abundance of incorrect information. The fact they rely on the banks and lenders is by an opinion a biased incorrect and damaging approach. We are all being held hostage by them all by design or incompetence. To this statement anyone can apply the facts and truth as I have stated. To think the CFPB will act for the individal is also a misnomer and charade/
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Despite my previous attempts to resolve this issue, I have noticed that inaccurate information continues to be reported on my credit file by XXXX, XXXX, and Equifax. This incorrect information remains unchanged, even after multiple disputes. The ongoing errors are not reflective of my actual financial situation and are negatively affecting my credit profile. I have attached detailed letters outlining the specific inaccuracies and providing evidence to support my claims. I kindly request that you thoroughly review the attached documentation and take immediate action to correct these errors, ensuring that my credit report is updated with accurate and truthful information.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is reporting on my credit and its incorrect for one I was never notified of when and where the car was being auctioned off also they never updated the account after selling the car at the auction.Also The account there reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately.
Consumer complaint received 2020-11-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, I am sending this communication because my efforts to send this to you via US mail have not been successful. I have sent several letters since XX/XX/2020, hoping to see something returned. Can someone please contact me about this?
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

I have XXXX companies that refused to help and XXXX that not helped satisfactorily. 

1. I listed a wedding dress on XXXX XXXX for {$500.00}. ( Retail value {$2500.00} ) 2. XXXX XXXX convinced me she was a little old lady willing to buy the dress for {$600.00} plus pay shipping for someone names XXXX XXXX. 

3. I told XXXX that I would not send the dress without confirmation of XXXX XXXX of the payment in my XXXX XXXX. Through an elaborate scheme she impersonated XXXX XXXX through email leading me to believe that we both had to put money on the account and we could only do it using XXXX or XXXX. Her imposter was convincing. Im not stupid. Im highly educated and have spent my entire life on computers and the internet and she still got me. 

3. Needless to say, Im out {$500.00} through XXXX, which she took fraudulently through an elaborate XXXX XXXX email impersonation. 

4. Im out a {$2500.00} dress, which is in the mail currently ( Im trying like XXXX to get it back ). 

5. I ever received the {$600.00} plus shipping. 

I have all of the information well documented and I am happy to send in any and all of it. XXXX said they will look into it but arent hopeful that they can help. Chase said they refuse to help even though I used XXXX on their platform as they are a conglomeration. They wouldnt even let me document a complaint for posterity. XXXX XXXX told me they have nothing to do with it and dont care that someone is impersonating them. XXXX never got back to me about reporting. And so, here we are.
Consumer complaint received 2021-03-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (KS)

Prior to XX/XX/2021 the collection account was either increased by a dollar every other month, or decreased by a dollar every other month. Then on XX/XX/2021, the collections account was closed. As I'm following my credit to try and do better, I was notified the minute they closed the account. It is now XX/XX/2021, and the account all of a sudden was opened back up and a dollar was reduced from the amount. However, since their tactics are to to decrease the amount 1 month and increase it the following month, and whatever points ( credit score increase ) I increase or the points I even gained from them reducing the accounts by {$1.00} each, will be zapped away thus hurting my credit even more than what it was hurt when they added the collection to my credit report in the first place.

I also want to add, that one of the accounts was supposedly a car title loan. Only that was a lie, they were unable to put a lien on my car, as I already had a car title loan through another company, which they were aware of. They lied to me and falsely represented the product or line of credit they offered me.
Consumer complaint received 2020-11-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I HAVE DISPUTED THESE ACCOUNTS MANY TIMES NOW I HAVE YET TO RECENT ANY PROOF THAT THESE ACCOUNTS BELONG TO ME THEY NEED TO BE REMOVE