davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

We requested a Covid-19 forbearance XXXX of 2020 and additional extensions as we had a loss of income due to the pandemic. We have reached the 18 month mark and are ready to resume our mortgage payments. 

We contacted Select Portfolio Services to advise that we were ready to continue making our mortgage payments and after a series of questions we were advised we needed to send in a full borrower assistance package that includes but is not limited to : two years of tax returns, pay stubs, hardship letter, utility bills, etc. 

According to the online resources for XXXX XXXX, their website information states a full package is not needed in order to get a deferral, modification etc. unless we are disqualified from said programs for a specific reason. We have asked SPS at least on 3 or 4 different occasions if we do not qualify for the Covid-19 relief options for a specific reason and we have not been given one. The only thing we have been told is that we are REQUIRED to send in a full and complete package due to investor requirements even on Covid-19 options. 

We do not want to be at risk of losing our home so we are going to send in a full package, however, we would like this issue to be investigated due to the conflicting information on the XXXX XXXX website and what we are being told by the servicing company.
Consumer complaint received 2022-10-13
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)

My name 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 2022-10-12
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. (CT)

DISPUTE CODE - XXXX My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate accounts I have listed. In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across my TransUnion, XXXX and XXXX credit bureaus. I would like this account deleted from my credit report profile. 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 an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across TransUnion, XXXX and XXXX credit bureaus. I would like this account to be removed from my credit report profile. 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 an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2018-11-25
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: SYNCHRONY FINANCIAL (MS)

I have a large amount of hard inquires on my credit report with each credit report agency. I can verify the ones I consented to but I don't have knowledge of the others. I have not given my permission to check my credit. Unfortunately I am in the process of a divorce and my soon to be ex has been very free in the past with my personal information to obtain credit. I'm frustrated and I have been working hard to get my credit back to good and this is a huge set back. Can you please help. their customer service would not help and take care of the negative inquiries reporting to your credit bureaus. 

My name is XXXX XXXX XXXX has the following : XXXX/XXXX-XXXX XXXX XXXX XXXX   XXXX XXXX-XXXX  SYNCB  ( 3 DIFFERENT TIMES ) XXXX XXXX XXXX   XXXX/XXXX XXXX/XXXX XXXX has the following : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX SYNCB XXXX XXXX XXXX  has the following : XXXX ( 3x 'S ) XXXX XXXX XXXX XXXX ( 2'xS ) XXXX/XXXX XXXX  XXXX
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

Venmo has frozen my account with {$1600.00} half a year ago! 
they send an email claiming that I can wtihdraw my frozen funds but their system still wont let me add my new bank account. 
on XX/XX/XXXX venmo emailed me that I should upload my ID and a bank statement of my new account. I have provided the requested documents but ever since Venmo stopped replying to me and like usual they refuse to let me add a new bank account! 
please help me. legal action must be taken against this fraud!
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CT)

I am writing to dispute the following information in my file and request removal. 
Please remove hard inquiries from XX/XX/XXXX. And remove all past debts from XX/XX/XXXX-XX/XX/XXXX. All credit accounts and judgments debts are inaccurate and incorrect because they are 10 years old and hindering employment. 

These items of hard inquiries and past credit debts disputed by XXXX, XXXX, Experian and XXXX XXXX I am requesting that the items be removed. 

Please reinvestigate this [ these ] matter [ s ] and [ delete or correct ] the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-24
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: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

Im a victim of identity theft. Someone applied for and opened a auto loan account with Universal Acceptance/XXXX XXXX  on XX/XX/2013. I never applied for an auto loan account with Universal Acceptance/XXXX XXXX. The account is fraudulent, unauthorized and not mine.
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (TX)

A dispute was made for verification of obligation, when all obligations are the responsibility of the United States Treasury and anything over {$1.00} shall be credited. 18 USC 8 and 15 USC 1681 2 ( a ) ( 1 ).
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MA)

as a part of XXXX XXXX promotion during the purchase of my airplane ticket I checked the box for American Express. {$200.00} cash reward if customer makes a $ XXXX purchase in first 3months. 
However, I never completed a checkout for the airplane ticket. I thought Amex card application did not go thought either. Actually it did and I received a card sometime later. Never received any billings statements. 
I said oh, well I might as well take the advantage of the {$200.00} promo by spending money on it. After few months I made my first purchase, which was paying the college tuition down payment for my freshman son. Made some other purchases too.. Was waiting on the statement, but never received it. The first time I received the statement the payment was already overdue and the fee and interest rate were already charged. I paid everything right away. 
I texted with Amex customer service and tried to negotiate removal or reduction of fees but to no avail. And I did not receive {$200.00} -- promotion either. With disappointment in the quality of their customer service I closed my account. 
With all off this I would like to file a complaint against Amex and AmEx practice. I think their practices are unfair and are taking advantage of customers. I do not seek money or any reimbursement, but I just want to share my experience so others can learn from it.
Consumer complaint received 2018-11-24
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (AZ)

Im a victim of identity theft. Someone stole my identity and applied and opened a personal loan account with One Main Financial on XXXX.The personal loan account is fraudulent, unauthorized and not mine. I have mailed and sent numerous letters of disputes to One Main Financial for the last 7 months in regards to the fraudulent account, and I havent not heard back or received any correspondence from One Main Financial for 7 months. I been receiving harassing and threatening phone calls of profane language, verbal abuse, threats of legal action, wage garnishment, arrest, jail and prison for over 7 months at home and work at XXXX XXXX and after XXXX XXXX from One Main Financial debt collection call center representatives, for an account thats fraudulent, not mine, and a debt, i dont owe. One Main Financial is in violation of The Fair Debt Collection Practices Act ( FDCPA ). My social security number listed on the fraudulent account is : XXXX, Date of Birth is : XX/XX/XXXX
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC (NJ)

FCR improperly calls and emails me about a debt I do not owe from a car rental that was prepaid on the site XXXX. I even received a {$50.00} credit from XXXX for the bad experience yet XXXX refuses to clear the debt with their debt collector FCR. Many people have described the same scheme. 

I rented a car thru the car sharing site XXXX. After driving far from my home, I realized the car I rented was severally broken and I had to pay to fix things such as the headlights to use the car. After incurring this cost, I notified the host that any additional fees are now void since I am already at a loss with the repairs. XXXX gave me a credit of {$50.00} but then improperly created an invoice which they sent to FCR Collection Services. 

I later learned that others had the same experience on the XXXX.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2023-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NV)

on XXXX i ask can they please send me original contract with my signature to verify debt instead they are making up paperwork to send me to validate debt also i am a victim of XXXX XXXX breach They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!! 15 U.S. Code 1611- Criminal liability for willful and knowing violation
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

XXXX XXXX XXXX mobile lines were opened fraudulent and now a collection agency tried to collect I filled out fraud packet notarized they said because address matched responsible sent it back to XXXX  now XXXX  sent to another collection agency erc threatening reporting to credit report and collect I already explained fraud they have not complete investigation properly id match signiture match facial recognition nothing
Consumer complaint received 2018-11-24
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: Experian Information Solutions Inc. (TN)

I have a student loan that is a duplicate account. There are late payments in which i was never late on the reported days. Student loans has failed to respond within the 30 day period and did not provide me with no proof for the incorrect information
Consumer complaint received 2018-11-24
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: ALLY FINANCIAL INC. (FL)

Hard inquiry on my report from Ally financial due to the misuse and abuse of credit information by XXXX XXXX XXXX XXXX. Have attempted since XXXX of 2018 to resolve issue with both parties to no success. XXXX XXXX will no longer answer or return my calls. I have filed two complaints with FL Consumer services department with no resolve. Merchant continues to fail to correct error.
Consumer complaint received 2023-01-23
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. Please remove the late dates from this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

On XX/XX/2018 I requested my free annual report from Equifax using XXXX. I filled in my personal information and answered the security questions. I then received a credit report for someone else. Looking at the report I noticed that we have the same last 4 social security number. I am attaching a copy of the report I received. This is not me. 

My concerns are ( 1 ) I was not able to get my annual credit report and ( 2 ) I was given someone else 's personal credit report without their permission.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one closed my credit card due to a bankruptcy. I've never filed for bankruptcy and reached out to all three credit bureaus who all stated that my file has no bankruptcy. I've asked capital one where are they getting this information from but still haven't gotten an answer. Obviously it's a mistake but they automatically closed my account and embarrassed me at the store while trying to use my card. An investigation should of been done before assuming that I file for bankruptcy.
Consumer complaint received 2023-01-23
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)

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Here are the items that needed to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX MI XXXX XXXX XXXX Balance : {$6500.00} MI XXXX XXXX XXXX Balance : {$2600.00} MI XXXX XXXX XXXX Balance : {$730.00} MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-24
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: EQUIFAX, INC. (NC)

I reached out to the XXXX XXXX XXXX requesting a original signed promissory note exercising my rights provided by the fair credit Act section 609 States creditor has 30 days to provide you with the original signed document verified debt I have not received nothing from the XXXX XXXX XXXX I have reached out several times asking for verification and after viewing my XXXX credit report I'm seeing a lot of inconsistencies amongst the three credit bureaus
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

2. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

4. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

6. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

7. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

8. Identity Theft TOYOTA MOTOR CREDIT Account Number : XXXX**** This is not mine.
Consumer complaint received 2018-11-24
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: Experian Information Solutions Inc. (NJ)

I have contacted this credit reporting agency about Identity theft on several occasions. The following accounts are not mine as I am a victim of identity theft I have included the police report. PLEASE BLOCK ALL FRAUDULENT ACCOUNTS FROM MY EXPERIAN REPORT. PLEASE REVIEW THE POLICE REPORT. 

" Upon receipt of a valid police report or valid state approved identity theft form, Experian blocks alleged fraudulent information from view by creditors and other users of the report. '' ( I HAVE SENT VALID POLICE REPORTS AND STILL HAVE THE FRAUDULENT ACCOUNTS ON MY FILE. PLEASE BLOCK THEM! This is my FINAL request to have the following are listed items listed below BLOCKED & REMOVED! 

***************************************************************************************************** # 1. TXXXX XXXX XXXX # 2. XXXX XXXX XXXX # 3. XXXX XXXX XXXX XXXX. # 4 XXXX XXXX XXXX # 5 XXXX XXXX XXXX  .... # 6 XXXX XXXX XXXX ( 2 ACCOUNTS ) # 7 XXXX XXXX XXXX XXXX XXXX ( 3 ACCOUNTS ) # 8 XXXX XXXX XXXX XXXX XXXX # 9 XXXX XXXX XXXX XXXX As well as I have fraudulent inquiries on my credit file ... .. All 3 of these should be deleted immediately ... 1. XXXX 2. XXXX 3. XXXX