davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-31
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. (FL)

To : The Consumer Financial Protection Bureau, I would like to submit this complaint regarding a charge off for an equity line of formerly held by XXXX XXXX. This loan was valued at approximately {$49000.00} when I was affected by the natural or declared disaster known as hurricane Irma. I then contacted XXXX XXXX  for advice and was informed that I was eligible for a mortgage assistance program due to the affects of hurricane Irma. XXXX XXXX  mailed me the application for mortgage assistance, and I completed the application and faxed it back to them. I received a letter from XXXX XXXX  stating that my application for mortgage assistance was complete and they received it on XX/XX/XXXX. This letter stated that because XXXX XXXX  received my completed application, certain foreclosure protections would apply. The letter also stated that Foreclosure activity will cease and that they would not make the first notice or filing, whichever is applicable, while my complete application is being evaluated. 
On XX/XX/XXXX, I received a letter stating that due to a recent internal business change I was reassigned to The Homeowner Support Team to assist as my Homeowner Support Specialist. I was not aware that at this time they were already reporting to the credit bureaus that my loan was charged off as of XX/XX/XXXX. XXXX XXXX  was also reporting to the credit bureaus that my account was late as of XX/XX/XXXX in the amount of 120 days past due up to XX/XX/XXXX when they reported that I was 180 days past due. I faxed XXXX XXXX  a letter stating that an error had been made regarding my loan and that it was being reported as a charge off to all three major credit agencies Equifax, XXXX, and XXXX. I have uploaded proof of correspondence with XXXX XXXX  relating to the Mortgage assistance program as well as receipts from XXXX XXXX proving that I have been paying {$500.00} per month since XX/XX/XXXX. I would like for this Charge Off from XXXX XXXX  to be removed from my credit report with all three agencies Equifax, XXXX, and XXXX. 

Thank you XX/XX/XXXX
Consumer complaint received 2021-09-16
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: WELLS FARGO & COMPANY (CA)

I lost my social security in 2018. Ive recently just received a new one. I have a lot of inquiries and a collection I do not recognize or gave permission. I would like them removed immediately please
Consumer complaint received 2020-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is trying to collect on behalf of XXXX XXXX  XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$2100.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2020-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX department XXXX XXXX XXXX MN XXXX XXXX Cell phone Acct # XXXX Charge off {$1300.00} Connect date, Delinquency XX/XX/XXXX Date reported XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. ... The law is intended to protect consumers from misinformation being used against them. 

On Sunday, XX/XX/XXXX, at approximately XXXX XXXX., original creditor, XXXX XXXX has admitted its violation of the Fair Credit Reporting Practices Act, that it sold debt, acct : # XXXX, to collection agency, Jefferson Capital Systems LLC, and XXXX XXXX continues to report this affirmation on my credit report and that a balance owed. 

This violation has been reported to the CFPB and XXXX
Consumer complaint received 2020-05-31
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. (TX)

XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the XXXX credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2020-05-31
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 (FL)

I have had 4 unauthorized hard inquiries on my XXXX  Credit report in the last 9 months, from synb/paypal. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted pay pal and synchrony bank, after the first two, and they said they would remove them. They did not. Then they went on and inquired two more times. This is unauthorized. I have not requested any credit from this company in the last 3 yrs. Please do something about this.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I was in the process of purchasing a home and needed to remove a credit freeze for the loan application process. I was unable to remove Experian credit freeze using online and phone automated system. Experian does not provide a phone number to speak with a representative. All phone numbers lead to automated system that would not resolve my problem.
Consumer complaint received 2020-05-31
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: Experian Information Solutions Inc. (FL)

On three different occasions, I have contacted Experian by mail to provide me : " Copies of any documents you used to make your decision, including electronic correspondence of all types, a copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information you received from the data furnisher, the name, job title, and contact information of the individual ( s ) you contacted at the data furnisher and the name, job title, and contact information of all employees within your organization who played any part in handling this dispute ''. 

These letters were sent via certified mail and the allotted time of thirty days was given each time. Unfortunately, Experian only " updated '' the files without in proof of the above. I have requested the above information to ensure the information that was reported was legal and accurate. Other bureaus could not seem to find the documents, thus deleting the tradelines from XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. Experian, whereas " UPDATES '' the account. I am at a loss because I have yet to see where this updated information is coming from and I am concerned that they are not reaching out to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX.
Consumer complaint received 2020-06-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent XXXX a letter in XXXX to dispute incorrect information that two creditors have reported on my recent reports. XXXX XXXX reporting late payment for XX/XX/XXXX and XX/XX/XXXX. XXXX credit card showing late payment for XX/XX/XXXX.
Consumer complaint received 2020-06-01
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. (TX)

I have disputed these accounts because they are all inaccurate, incomplete and unverifiable. After 30 days of waiting, all the credit bureaus completed their investigation and all came to say that these accounts were verified. 

in my request, I demanded documentation to verify these accounts, but none of them provided any type of documents. Under the 609 FCRA, credit bureaus are required to have the original consumer contracts, which they did not provide. 

Moreover, all the 3 credit bureaus verified these accounts to be correct but when looking at these accounts, they are all reporting differently. For example XXXX  confirm an account which was opened on XX/XX/2013 and XXXX  would also verify the same account to be accurate but the account shows it was opened on XX/XX/2013. 

The same account is showing late on XXXX, but on time with TransUnion. Who is right and who is wrong? 

If an investigation was conducted, I need the names of people they spoke to, their phone numbers, the time and dates, also I need the original consumer contract bearing my signature that they all have on file. 

This is my last attempt to try to resolve this amicably. I need these accounts immediately removed from my credit report without any wait. 

My next step will be a lawsuit if this is not fixed immediately.
Consumer complaint received 2020-06-01
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: Diversified Adjustment Service, Inc. (OH)

Pulled my report from XXXX  and paid off items in collections. Most have been settled and deleted. Paid XXXX XXXX debt with phone number provided on XXXX  fico 8 credit report. Came out of my bank as a payment to diversified collections ( collection company ) asked for pay to delete when paid on the phone and it was agreed upon. Paid on XX/XX/2020, XXXX will not report as paid and continues to affect credit report despite payment and verbal agreement on monitored phone call. Dispute twice with XXXX  with no change.
Consumer complaint received 2020-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSWORLD SYSTEMS INC (IL)

the nationawide collection inc represent XXXX XXXX the XXXX XXXX told me that they take legal action through the collection agency, they are helped a powerfull person who has money and power from XXXX XXXX XXXX people 4 men 6 women they know everything about this the collection agency threat me to take to the court within one week
Consumer complaint received 2020-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

The collection agency mailed a collection notice to an address that I have not resided for more than 5 years. The debt is not mine and I do not owe any funds to the collection agency. I mailed the CA a debt VALIDATION ( not verification ) request letter via certified mail on XX/XX/2020. On XX/XX/2020, I received a letter from the CA in response to my request for debt validation. The company sent a partial copy of a bill that included my name, previous address, and dates during which I was NOT living at that address or in the state mentioned. Not only does this information fail to satisfy the criteria for proof of debt validation, but I believe this information was obtained under false pretenses. They purchased this debt from the medical center where I supposedly received services, but did not provide adequate information ( actual billing info, discharge paper, diagnostic info, prescription, treatment plan, etc. ) to support the actual validity of the debt and identity of the person that received treatment. Not to mention, purchasing a person 's debt from another entity is illegal within itself. Much of my personal information was leaked in the recent XXXX, XXXX, and XXXX  breaches. Anyone could have stolen my personal information from the internet or data breach and used it fraudulently.
Consumer complaint received 2020-05-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (UT)

XXXX XXXX I called to see the status of my account closure. They said a check will be sent in 7-10 days but My account was closed over 3 weeks ago. I am still waiting for a check to come in the mail for about 90 dollars. I have spoken with customer service several times about closing my account previously because they froze my account without incident and closed it with claims of fraudulent activity. I need my money back from this account ASAP. The bank is HSBC.
Consumer complaint received 2020-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion has blocked every attempt at me disputing my credit. Everytime I try online, no one answers. I sent a dispute through the mail and they never responded. I am told to call and ech time I call, I am put on hold for hours. I sent a letter requesting to see the original contracts from the credit to get more information and received nothing. There are accounts that are on my credit report that never went into bankruptcy. There are collections for accounts that were included in bankruptcy. There are accounts listed that were never mine. There are addresses that I never used. There are inquiries that I never authorized. Each time I send the documentation from my bankruptcy and list of creditors, the only thing removed are the collections which end up being put back on after a few months. 
I was in foster care as a child and my information has crossed many hands. I'm trying to narrow down who could possibly be obtaining and trying to obtain credit in my name. Transunion has made it impossible. It has taken a serious toll on my life. I need help getting ensuring that these matters are resolved. The credit collections agencies will not answer my questions because I don't have the information used to verify the accounts because they were opened fraudulently.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: JPMORGAN CHASE & CO. (NY)

I have been a Chase customer for quite a while. I have a chase liquid prepaid card that I use only when I travel abroad. In order to keep my card because I dont use it often, I make sure to have enough money on the card to cover the monthly fee of {$4.00}. On XX/XX/XXXX I had an emergency and I tried to withdraw {$100.00} but I couldnt. I got a receipt telling me to call a number which I did and found out that, my card has been frozen for the past two years without my knowledge. I was surprised because I always paid my maintenance fee and I dont owe them any money. For the past two weeks, I have been calling them to try to fix the problem without success. They transferred my call to the investigation unit that doesnt seem to know what going on. They told me that a woman name XXXX oversees my case but anytime I called and tried to speak to her, she is always busy and said to leave my phone number but never calls me back. It became very frustrating and disrespectful. I went to one of chase bank branch and spoke with one of their employees that tried to help me as well with no success. I dont know what to do and now it seems like I cant no longer access my account. I tried many times before sending this complaint.
Consumer complaint received 2020-05-31
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. (MO)

My name, my credit files, and my integrity all has been compromised by either theft, the dark web, XXXX  breach, or the lost of my identity when my wallet stolen. I've summoned the credit reporting agencies to produce A Method Of Verification to show cause of their reportings. Never once have I received any physical documentation of these unknown and unauthorized accounts. But for some reason the credit reporting agencies relay on electronic verification, when infact " As a general rule of law electronic verification can not be accepted as proof. I demand that the following accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX {$120.00} 2 ) XXXX XXXX   {$1800.00} 3 ) XXXX XXXX  {$340.00} 4 ) XXXX XXXX XXXX {$1100.00} 5 ) XXXX XXXX  {$260.00} 6 XXXX XXXX XXXX   XXXX {$61.00} 7 ) XXXX XXXX XXXX  8 ) XXXX   XXXX XXXX  XXXX XXXX  9 ) Dept of ED/ XXXX {$56000.00} 10 ) Dept of ED/ XXXX {$31000.00} 11 ) XXXX  XXXX  XXXX 12 ) XXXX  XXXX  13 ) XXXX XXXX  XXXX 14 XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

First off I DO NOT have a paypal account. I used the XXXX   website to purchase a accessory for my XXXX and that site apparently uses PayPal to process the credit card transactions well now I have several unauthorized charges on my account
Consumer complaint received 2022-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (NJ)

I was behind on some bills in XXXX so I searched online for loans from companies like XXXX who have fair lending policies. Minto was recommended so I applied and was approved for {$1200.00}. Neither the annual percentage rate for this loan nor the repayment amount was written upfront on the screens for this loan application online when you get the message your approved. It wasn't until after I signed and received the loan that I saw the repayment agreement buried in the loan forms emailed to me. I have paid over {$1200.00} at this point and the loan agreement says the repayment amount is {$7500.00}
Consumer complaint received 2020-05-31
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: Experian Information Solutions Inc. (TX)

I have been sending evidence of incorrect reporting on my credit file and I want it deleted per the FCRA. Information on my credit report is suppose to be reporting 100 % accurate and I have sent attached documents that creditors are reporting incorrect information. I have sent multiple disputes and nothing continues to be fixed or deleted. I will be attaching documents of proof that Experian is reporting incorrect information and they will not investigate my claims or send me proof as to who they spoke to when investigating.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX  hasnt updated my report since XX/XX/2020, I paid off all my credit cards in XXXX and they still showing balances. XXXX  is still reporting fraudulent information and addresses that do not belong to me and have yet to provide validation of the fraudulent accounts and addresses that were removed a placed back by XXXX. They are hindering me from my home buying process. They refuse to remove the addresses stating they are attached to accounts and Ive called all my creditors and they have and been reporting my current address. XXXX  has replaced fraudulent accounts that were removed on my account without validation or contracts. Below Ive attached info from XXXX  showing its fraudulent and not me it clearly shows someone elses name, ID, social, and address. Ive been fighting this account for 4 yrs even tho I have proof it doesnt belong to me. 

Experian refuses to remove fraudulent addresses and accounts and refuse to show validation. Ive been fighting with this company for months sent info requested and still no removal. Experian also claims the fraudulent addresses are attached to open accounts and thats not true Ive called all my creditors and they have no knowledge of the addresses on my credit file and are reporting my current address. They are also hindering me from closing on my home. Experian has replaced fraudulent accounts that were removed on my account without validation or contracts. 

I cant and wont receive any mail at the fraudulent addresses XXXX  and Experian have on file.