davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (CA)

I was just informed that this company exists and I asked for a copy of my credit report. Comes to find out there is TONS of old, outdated, wrong information in CREDCO 's files. 

They have in their files old old OLD information that has been removed from everyone else 's files ( the big 3 ) and others and I was surprised to find that this information is STILL lingering. 

Please remove XXXX XXXX XXXX - acct XXXX- this collection has been removed from every single credit bureau 's reports .... WHY IS IT STILL ON YOURS?? 

XXXX - is someone else 's account- WHY IS IT HERE ON MY REPORT??? Please remove this account There should be NO social security variations in my records... 

Please remove ALL variations of SS # and please only KEEP one ... the RIGHT one. IT is : XXXX Please remove ALL other names except for XXXX XXXX XXXX ALL OTHER NAMES are INCORRECT. Please remove XXXX XXXX, & XXXX XXXX. That is all I can see at this time. If there are others please remove them as well. 

Please remove these addresses as they are not longer valid, nor current : XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, fl XXXX All of the following inquiries have also been deleted by all 3 big credit bureaus .... Please remove these inquiries from my file as they are fraudulent, have a police report filed for them and must be removed. They are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank YOU .
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (GA)

I notified the credit card companies after I found out about fraudulent charges on my credit card account. Upon notifying them, they ignored me and continued to pursue collection practices on charges that I did not make. Instead of investigating they continued to try to collect. I would like to pursue them for damages and having a negative reporting history to my credit reports.
Consumer complaint received 2021-08-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I filed a dispute about incorrect items that are still reporting on my credit report, this company is in violation of the law and need to be held accountable. Please help me with this matter.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (OK)

on XXXX I filed a complaint against Bank of The West.I also told them I was going to. The complaint number XXXX. As soon I did The Branch manager XXXX XXXX closed all my accounts not just the one in dispute. I had both accounts at this location for five plus years. So to punish me for standing up for my rights and forcing the bank to make the release of funds thru 4 verifications the Banker decided to punish me and closed both business accounts after banking with them for five plus years.
Consumer complaint received 2023-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

I bought a condo in Florida in XXXX of 2021. My initial loan was serviced by United Wholesale Mortgage. I had no Escrow - I paid my taxes and insurance directly. There were no problems. In late XXXX of 2021, my loan was sold by UWM to Mr Cooper. I continued to pay my insurance and taxes directly. Mr Cooper had additional insurance added to my policy ( despite me sending them my current insurance information ) and they were suddenly charging me an escrow in the amount of {$2700.00}. I disputed this several times and they kept charging. I continued to provide proof of my insurance and payment of both my insurance and taxes. Since then they have sold my loan to XXXX ( who has been great ) - but they are still collecting an outstanding Escrow about that Mr Cooper claims I have. After the latest analysis- they are claiming an additional {$620.00} I would like to get this resolved - stop paying money that I do not owe and collect the years worth of overcharge payment. I call Mr Cooper - I wait on hold for hours, and am then cut off. If I do reach someone, I get transferred all over them place and am told they can't help me since they no longer have my loan. I appreciate your attention to this matter.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (CA)

As of XX/XX/2022, I've been trying to purcase and finance my very first car but my credit is all messed up.. BECAUSE IVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD THE ONLY THING THAT I DO HAVE IS MY STUDENT LOAN THAT I OWE OTHER THAN THAT ALL OF THOSE CREDIT CHECKING PLACES FROM SEVERAL DIFFERENT CAR DEALERS 'I BARELY GOT MY LICENSE LIKE XXXX AGO, THIS IS CRAZY I NEED HELP FIXING MY CREDIT CHECK/SCORE ' BECAUSE IM ABOUT TO LOSE MY XXXX XXXX JOB IF I DONT GET A CAR SOON??
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (TX)

Equifax has violated my rights under the FCRA and FTC Laws. Based on the laws, every information must be accurate, no errors and verifiable. Based on their investigation ( see enclosure ), they have not verified the information that shows on my Equifax credit report. I sent a certified letter ( see enclosure ) on XX/XX/XXXX asking for the validation of the unauthorized inquiries showing where I have signed any document. Please direct Equifax to remove the unauthorized inquiries.
Consumer complaint received 2021-08-24
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-03-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (FL)

This bank is charging 159.56 % interest. The math on the site is not correct. They are ripping off people with there funny math. You can not see the funny math they are doing on the attached form but in the dashboard the math is all incorrect.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (UT)

I just want to let you guys know that I have never been so upset, let down, and defeated more than I do today. This is the 3rd time Chime has denied my claim for the money that was stolen out of my account on XXXX, XXXX at XXXX XXXX in the morning. I have been nothing but a loyal customer of their 's for YEARS AND YEARS. Spoke great things about them to my family and friends. Even got people to sign up for Chime. And the fact that I can't even trust MY bank to have MY back on a fraudulent charge is crazy. 
Over {$2000.00} dollars was stolen out of my account on XX/XX/XXXX at XXXX XXXX in the morning. I was on the phone with a Chime representative who was helping me gain access of my account back while the hacker was still in control of everything. I was a victim of theft and the bank who I've read and have been told is FDIC insured won't help me. I am a single mother who doesn't make a lot of money. I was suppose to pay rent with that {$2000.00}. Chime gets their money back regardless and I'm just stuck trying to scrounge for every single last dime so me and my daughter don't end up homeless. It wasn't my fault that this money was stolen. And I understand it wasn't Chimes fault either. But I've put 3 different claims in to dispute this transaction. I have filed a police report, like they asked.. with my local police department. AGAIN.. they denied my claim. So this makes 4 denials. Have waited over a month. Hoped and prayed that I would get help from my bank and I would see this money back. Only to be told " no '' every single time. I'm heart broken. And what makes it worse, is that I see Chime just handing out money all over social media. Which is awesome marketing for them, I know. But why not help out one of your members that really needs it? That has been struggling and fighting with their dispute team for over a month? I just get shot down every single time. It's so sad. I worked hard for that money that got stolen from me. And now I understand that you guys really don't care about your members. I used to have so much respect for Chime. Now I'm going to close my account and report Chime to the CFPB
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: Experian Information Solutions Inc. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2023-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Greetings! 

I am writing to inform you about a scam or phishing attempt. Even though I do not have any debt, I am getting phone calls with no messages left from Midland Credit and XXXX  XXXX. I have not received any information from these companies. I learned these are debt buyers and collectors through an online search, including the Consumer Financial Protection Bureau ( CFPB ) s website ( CFPB, 2015 ). I have reviewed my credit reports from all three Credit Bureaus and confirmed that I do not have any collection. 


Source : CFPB ( 2015 ). CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-the-two-largest-debt-buyers-for-using-deceptive-tactics-to-collect-bad-debts/
Consumer complaint received 2021-08-19
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. (CA)

I recently filed a report with XXXX, XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2020-05-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (CO)

XXXX XXXX, XXXX. Sent a letter claiming they can sue me for the balance if I fail to dispute the debt. They also stated a settlement offer in the letter and threatened that they are not required to make this offer in the future. 

The balance is {$8700.00}. This letter was sent on XX/XX/2020. 

This debt has been disputed and removed from my credit report at all three bureaus under a separate debt collector company called Jefferson Capital Systems , LLC. 

The new debt collector XXXX XXXX is attempting to collect an invalid debt that has been resolved.
Consumer complaint received 2023-03-20
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX  ) during bankruptcy, failed to acknowledge payments. 

XXXX address XXXX XXXX XXXX, XXXX, Michigan XXXX after bankruptcy & ignoring complaints. Changed company name to " Carrington Mortgage Services LLC '' XXXX XXXX XXXX also in XXXX XXXX with SAME Phone # XXXX XXXX XXXX Carrington & XXXX SEEM TO be the same people with XXXX XXXX XXXX XXXX, XXXX Using different LLC company and abusing bankruptcy to escape liability. 

There is no proof that either XXXX or Carrington are authorized to service the mortgage or to charge extra fees & interest, while refusing payoff of the mortgage. 

I'm filing this complaint as " Proof of Claim '' against XXXX as guided by the XXXX XXXX XXXX Bankruptcy Letter I received from XXXX. In XXXX, XXXX XXXX XXXX XXXX XXXX ) sent me notice & an email saying " They no longer hold the XXXX XXXX # XXXX XXXX XXXX XXXX , despite XXXX being registered as the lien holder. After a complaint XXXX & XXXX was filed with CFPB, XXXX insisted they are no longer responsible for mortgage stating that XXXX XXXX XXXX XXXX XXXX ) bought out the loan. There is NO record of XXXX registered with OHIO as a lien holder. XXXX bank account at XXXXXXXX XXXX ( Acct # XXXX ) was CLOSED when I paid the mortgage off in full. XXXX filed for XXXX XXXX  Bankruptcy & I was given until XX/XX/XXXX to file a claim agaisnt XXXX. XXXX denied they had the Lien previous CFPB complaints therefor, I am requesting XXXX send a Notarized Letter of RELEASE OF LOAN # XXXX ( XXXX Case # XXXX addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Attached Files shows PayOff the mortgage in Full from XXXX XXXX to XXXX, XXXX Bankruptcy Letter
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

PayPal made an incorrect calculation on my XX/XX/2023 statement. 
I have a credit of XXXX from XXXX and a Previous Cycle Debt Can Fee Credit of XXXX. They were not applied correctly. XXXX is XXXX. Instead, I was charged XXXX.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Is it that hard for the Credit Bureaus to remove the disputed Items from my Credit File? I have been sending letters to the Credit Bureaus to requesting the removal of the inaccurate personal information and Fraudulent account from my Credit Report. But despite all my extended effort to have the Credit Bureaus respond to my letters, I came to a realization that the Credit Bureaus have been ignoring my letters as well did not comply with the Fair Credit reporting Act section 605b. The Credit Bureaus continued reporting the disputed items on my Credit report without proper verification. The following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$9400.00}, are items incurred due to identity theft and must be removed from my Credit Report. If the Credit Bureaus claim that the Items belong to me, I will need the Credit Bureaus to provide me with copies of documentation which bears my signature to support the Credit Bureaus ' claim. If the Credit Bureaus can not provide me with documents I am looking for, I would greatly appreciate it if the Credit Bureaus would immediately remove these items.
Consumer complaint received 2023-03-20
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. (CA)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2023-03-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: DriveTime (AL)

This company is in violation of 15 U.S. Code $ 1681m - Requirements on users of consumer reports by denying me credit after I applied in good faith. 

( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall- ( 2 ) DUTIES OF PERSON TAKING CERTAIN ACTIONS BASED ON INFORMATION PROVIDED BY AFFILIATE ( A ) Duties, generally If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( C ), the person shall- ( C ) Information described Information referred to in subparagraph ( A ) - ( i ) except as provided in clause ( il ), is information that- ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; and ( Il ) bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living of the consumer ; and ( ii ) does not include- ( 1 ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (SC)

I called in XXXX of 2020 to get my name removed as auth user on this account and was insureds it was done and then also in XX/XX/2020 and was told that it was no longer on there but it is still showing
Consumer complaint received 2023-03-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (FL)

The original loan was in my late husbands name but after he passed away I being his surviving spouse continued to pay on the loan and a death certificate was provided. I decided to purchase a car in my name only and turned the car over to Ally Bank. They sold the car in XX/XX/XXXX and issued a check to the estate of XXXX XXXX. I contacted them to inform them there was no estate and tried to get them to reissue in my name and they refused. I hired an attorney and finally obtained a certified copy of an order signed by the judge to have check reissued in my name. Again they refused and reissued check to my late husband. It is filed under their agreement number XXXX. The court order filed XXXX in XXXX XXXX Florida Court Probate Division signed by the judge on XX/XX/XXXX
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding [ information on my credit report ]. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

DPT EDXXXXXXXX XXXXLate Payment DPT EDXXXX XXXX Late Payment XXXX XXXX XXXX  Collection XXXX XXXX XXXX  Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection XXXX XXXX XXXXXXXX Collection I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.