davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (NY)

To whom it may concern, Due to the COVID-19, I have faced hardship with collecting from tenants and covering my mortgage. This financial hardship is mostly due to the forced closing of non-essential businesses. I have two property mortgages with BSI financial services. 

Loan # XXXX Loan # XXXX Bsi financial has been an opportunist throughout this pandemic. They have added multiple late fees and are not willing to work out any type of forbearance agreement. Although maybe times like these may not seem serious to someone in their position it has affected my way of life tremendously
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (GA)

There are inquiries reporting to my Credit Report that were not made by me. The inquiriesconsist of : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX, XXXX XXXX, Personal Inquiry date : XX/XX/XXXX XXXX, Personal Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXXINQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXXXXXX XXXX XXXX  INQUIRY : XX/XX/XXXX Creditor Date XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX BANK XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX  XXXX Bank XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

XX/XX/2021 a letter was sent from Helvey & Associates , Inc, saying that an account had been placed with them for collection. 

A letter was sent to them disputing the account. 

A response from the alleged creditor was then received on XX/XX/2021 in which alleged creditor stated they had " completed a reasonable investigation of the dispute and found no evidence of an error or inaccurate information. '' However, alleged creditor failed to provide any proof of said investigation or disclose how the investigation was done. 

They then sent a letter dated XX/XX/2021 in regards to the alleged debt again saying if it wasnt paid in full, then they would report it to national credit bureaus. 

Another letter was sent certified return receipt mail XX/XX/XXXX to alleged creditor requiring them to provide an actual accounting of the debt ( ie validation ), verification of their claim against me in the form of a sworn affidavit or a hand signed invoice in accordance with the UCC, a copy of the contract signed by both parties, and a true and certified copy of the original agreement.

None of this was ever sent by alleged creditor.

Two more follow up letters stating the same were sent by certified return receipt mail on XX/XX/XXXX and then again on XX/XX/XXXX of 2021. 

Alleged credit did respond on XX/XX/XXXX stating that they had already verified the alleged debt, which they had not, and that they would not being doing it again. 

Helvey and Associates did report this collection to XXXX, XXXX, and XXXX. 

However, after disputing the alleged debt with those above name companies, XXXX and XXXX removed said collection account. Only XXXX refused to do so.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

Without getting any warning, XXXX XXXX XXXX XXXX closed my account of almost 29 years. The credit card had not been used for over a year, since it is my emergency card and I havent needed to use it. 

Ive asked them to re-open the account, but I get a series of excuses. Since this was a card without a yearly service charge ( a remnant of my of job with XXXX XXXX XXXX ) and I always paid it off monthly, I suspect that this it was deemed unprofitable to keep it open.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/22 my friend was sending me money through paypal friends and family. He had owed me money because last year I paid his rent when he XXXX XXXX and couldn't work. He sent me total of {$6000.00} and the next day paypal put a permanent limit on my account and now I cant transfer the money, I cant use the money, I cant send or receive any more money. I submitted ALL the necessary docs possible such as DL, social, birth certificate, passport and even multiple bank statements and they are STILL holding my funds!!! This is negatively effecting my ability to pay bills and support my family and they are constantly giving me the run around. I do everything they ask yet they continue to tell me " 24 hours '' " 72 hours '' blah blah blah
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$7100.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Bal. {$610.00}. Inquiries : 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 XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (GA)

A collection company RECEIVABLES PERFORMANCE has all of my pertinent information in regards to my identity reportiing a collection debt on my credit report with all three of the credit bureaus for {$720.00}. I sent my police report over to the company showing that I was a victim of identity theft to have this collection debt removed from my credit reports asap.
Consumer complaint received 2020-11-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (TX)

I have purchased a car using the loan from Chase while I was in California. I paid off the loan in XX/XX/2018. I have been waiting for my title at my address. They did not send me the title for 18 months. I called them five times to send my title, they always said, I will be getting my title. After six months of wait time, I called California DMV and figured out that they have sent my title to wrong address because Chase has provided the wrong address to DMV California. Now DMV says they can not deliver the title to my new address. It was Chase responsibility to deliver my title to my address. I filed the case in XXXX, Chase representative, XXXX XXXX called me and promised to send me the documents to me to filled up and send that to California DMV. I forgot to tell him that I moved to new address. According to XXXX, the documents he sent end up to my old address. 

I have fully paid the vehicle and I need to get my title without any hassle. After paying off my car for more than two years, I am still not getting the title. I have lost my mobility because of not getting my title. I thought of selling the car, but that can't happen without receiving the title. I called XXXX XXXX several times and left voice message to resend the documents to my new address but I never heard back from him for several weeks. 

This is complete misuse of bank 's power and authority. I took full responsibility and paid the principle and interest to bank, now leaving me without title because of their mistake is unacceptable. I took my responsibility and I want them to take their responsibility.
Consumer complaint received 2020-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is a follow up from my earlier complaint, # XXXX, against Transunion. 
Transunion has failed to send the response they calimed to have mailed in response to my letters of XXXX, XXXX and XXXX, XXXX. 
Transunion is not copperative and refusing to furnish their resonse to my letters. 
Where is the actual response they calimed to have mialed to me? 
They claim to have sent it, but I never received it, so why can't they re-mail? 
I have contact TU twice by mail and now twice through this portal and still do not have the original complant response. 
I suspect the real reason I have never received a written letter though the mail is because TU failed to comply with the FCRA and never reinvestigated my complaint and never informed me of the results, Would it be too much to expect a copy of the letter or letters they calim to have sent me?.
Consumer complaint received 2022-07-18
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. (CA)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1800.00} and XXXX XXXXXXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}.
Consumer complaint received 2022-07-18
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I'm done with the process. I already sent letters to Bureaus to inform this issue on XX/XX/XXXX. Per FCRA section 605b Credit Reporting Agencies are required to remove 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 is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; 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 2022-07-14
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. (GA)

I did not consent to, nor benefit from, or authorize any of the following accounts : XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$3000.00}
Consumer complaint received 2021-03-26
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. (FL)

Why do you keep lying about my case? The credit bureaus say that I am not the one who is trying to repair my credit, what evidence do the credit bureaus have to say or allege this? They are playing with my financial life, MY CREDIT this is very unfair. I again demand that an investigation be opened immediately of ALL the accounts that I have been disputing in the last 10 months. And stop telling lies, the only one who has been trying to fix my credit IS ME AND NOBODY ELSE. 

And you CONSUMER FINANCIAL PROTECTION BUREAUS are not giving a true follow-up to what the credit bureaus do, I am truly disappointed in you, I came here with you to take refuge and you end up doing me more harm. 

I am attaching my identification, so that they do not say that it is not me.
Consumer complaint received 2024-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (CA)

CFPB, I sent a Cease and Desist to Easter Account System for a alleged debt referenced under account # XXXX, in according with the Fair Debt Practices Act ( FDCPA ), 15 USC 1692c ( c ) they have to Cease And Desist all communication with me including reporting the alleged debt on my consumer credit report. I sent this twice though the CFPB portal.The second time I explain what a Cease and Desist mean since they decided not to remove the allege debt and respond with all communication have been Cease And Desist. It is still showing once again and reporting on my Consumer Credit Report. Without removing this alleged debt they are still communicating with me.
Consumer complaint received 2020-05-18
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. (OH)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (SC)

My mortgage servicer Mr.Cooper also known as Nation Star has  given me the impression that was my forbearance that was granted due to Covid 19 cancel I have to pay a lump sum or go through qualifiers for future payments. Its bad enough that we have to worry about the pandemic and how I will get through this and to have more stress every time you call them because there is no reassurance that you will be ok. I went online today and it advised me to call in to get Post forbearance options and the guy had no idea what I was talking about. Every time you call its a different answer with no reassurance. Its like you are being punished for something you have no control over and its very torturing. I dont understand why they put o e thing on the website but when you call in its a different story. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX SC XXXX the last four of my ssn is XXXX. The last phone call I made was today XX/XX/2020
Consumer complaint received 2023-03-23
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. (MI)

I have disputed this account with Experian, They updated the inaccurate information and left the account on my Credit report. STATE OF MICHIGAN CHILD SUPPORT XXXX. This is inaccurate, i have not given anyone permission to use my information for this account, i do not have any credit transactions with this company. Experian refuses to remove this fraudulent account and inquiries. Inqiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device this agency is in violation of 15 USC 1681a and i ask that this fraudulent account is deleted immediately.
Consumer complaint received 2022-09-17
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (PA)

on XX/XX/XXXX i deposited a check in the amount of {$35000.00} into an account with truist bank that did not belong to me in XXXX, Pa. I did not endorse the check and I verbally advised the cashier of this. The cashier said he was putting it in as a deposit only. I had never met the person who's account I deposited the money. I was advised by a third party the account number, routing number and the name of the account holder. this transaction was to be a down payment for a house in North Carolina. On or around XX/XX/XXXX I got an email from the third party stating the checks were fraudulent per Truist bank. The checks were valid checks from my retirement fund at XXXX. I have contacted XXXX to get my money back. They said they did every thing appropriately and in good faith. I have contacted XXXX and Truist bank many times since XX/XX/XXXX. Truist bank is stating they did not cash the checks and are holding the money and will not release it until XXXX requests. XXXX is stating the checks are cashed and there is nothing they can do. Bottom line I want my {$35000.00} back.
Consumer complaint received 2022-07-18
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. (AL)

Filed complaint on XX/XX/22 closed XXXX/XXXXXXXX verified without a proper investigation, this is straight up wrong and a violation of my federal protected rights. I sent out a letter to bankruptcy court and they told me they don't report to credit bureaus. That's fraud. They stole my information and violated my rights according to the 15USC 1681 SECTION 602A. States I have the right to privacy. And 15USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This bankruptcy needs to be removed immediately.