davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2022-07-08
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 Finance Corporation (TX)

On or around XX/XX/2022 I became aware that my personal information was used to take out a {$1800.00} loan with One Main Financial. Within the course of several days after that I did what they asked and provided a signed notarized affidavit, police report, and my Driver 's license. I took further steps and froze my credit and put a fraud alert on my account. A couple of months pass by and I received a call from the XXXX XXXX at the local branch saying that the fraud department deemed the account as not fraud and they were going to collect. I was of course amazed and wondered how they came out to that conclusion. I contacted the fraud department and they said they sent a letter ( that I have yet to receive ). They said that if I want any further information that I have to issue a subpoena. They refuse to disclose their findings and ask that if I want them to reopen the investigation that I need to submit more information that will help them further investigate, but I already sent them everything that they told me to send and without my file I am unable to present contradictory evidence. On XX/XX/2022 I sent them a certified letter explaining my position. On XXXX I get a call from the local branch trying to collect and I reiterated that I reported the account as fraud. The representative ask that I send a copy of my bank statement. On XXXX I send a copy of my bank statement to the local branch. I also send the same bank statement to the fraud department to reopen the investigation. In the course of this they also wanted me to send an updated police report naming the suspect which I was not able to obtain because the police department will not release an unredacted police report to me only to an attorney or a police official. I tried to explain this to the company, but they said that they will not work with the police that is something they don't do and unfortunately they need an unredacted police report. Today on XX/XX/2022 only 1 day after me providing my bank statement and letting them know that I was not able to obtain an unredacted police report they said they closed the investigation and found no fraud and were going to collect the money owed. The account is also still being reported as late payments and reflecting on my credit report.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2022, I deposited a cashiers check into a personal checking account at Bank of America, in person, with a deposit slip. As of XX/XX/2022, the funds are not available and will be held until XX/XX/2022. I advised the manager XXXX XXXX of CFR 229.10 ( c ) ( 1 ) ( v ) and that the bank was in violation of the Next Day Availability and she said she doesn't follow federal law, she follows bank policy.
Consumer complaint received 2022-07-08
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. (CA)

XXXX XXXX XXXX is reporting a late payment on my credit reports for XX/XX/2022. I spoke with a supervisor on XX/XX/2022 ( Ticket # : XXXX ) and was told the late payment would be removed from my reports, however, this never happened. 

Additionally, according to the CARES act " If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. 'XXXX XXXX XXXX  made an arrangement with me - and per the above, this late payment must be removed from my reports.
Consumer complaint received 2021-12-08
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. (LA)

XXXX XXXX account was settled a couple of months ago. XXXX, Experian and XXXX are not showing the correct information on balances, that the account was settled and amount paid, etc. This information needs to be updated to be correct or delete this accounts from the the reports.
Consumer complaint received 2022-11-30
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: Cascade CISS Holdings, LLC (CA)

Nonresponsive in regard to helping me resolve or investigate my concerns. 

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 XACTUSXXXX XXXXXXXX XACTUS  XXXX XXXX XACTUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I received a bill in XXXX for a charge of {$170.00} in my name XXXX XXXX. I no longer remember the company. I contacted the company at the time. A male representative could not confirm a claim of debt by said company and informed me they had no such record. Therefore could not send me an invoice of billing. I assumed it is a billing created on the dark web to sell my personal information. I waited for said charges to show up on my credit report. 

Jefferson Capital contacted me by mail XX/XX/2023. XX/XX/2023 they showed up on my credit report, claiming a debt of {$170.00}. They note the original debtor to XXXX. On XX/XX/XXXX I finally found company online and called number given online store I talked with a XXXX and a XXXX. The informed it maybe registrations cost. I asked them to send billing. They claimed they had no billing invoice on file in my name they could send. I asked them to send a letter verifying our conversation to email : XXXX. I have yet to receive email. 

Jefferson Capital gave me an email to which to give correspondence. XXXX given to me XXXX XXXX XXXX XXXX XXXX No one I talked to seem to have access to email or able to interact professionally in business communication to clarify or rectify issues that maybe in dispute. 

Jefferson Capital is unable to verify the existence of their account number XXXX or Reference Number XXXX. Recently someone has been tampering with my credit report and credit card information. I have had issues with my email. Dont know if there is a connection. Yet it came during the time Jefferson Capital began communication with me an attempt to just verify my personal information and identity. 

Enclosed is website information : https : //www.ftc.gov/legal-library/browse/cases-proceedings/062-3212-compucredit-corporation-jefferson-capital-systems-llc XXXX XXXX XXXX  The main numbers I contacted regarding this matter : No one seems to be able to produce a invoice of billing. 

XXXX XXXX XXXX I no longer contact creditors unless I can identify the debt or can trace the company VIA internet claiming a debt, because I been a victim of too much fraud and identity theft. I no longer pay any claims unless the company can produce reasonable explanation of claims. 

I have notice, bad artificial persons want to claim billing 5 years after business has been completed. I assume because they understand a household may not keep infinite records. It is time consuming finding said records. Or worse an employee could misuse personal information given in the course of doing business. Thats why I pay in full for common purchases that may represent leisure. 

I may have never been indebted to {$170.00} to XXXX. I no longer recognize the name as being a company with which I have even done business. It is plausible. Employees can not verify any transactional information in writing that accrued an alleged debt.
Consumer complaint received 2021-12-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

At the end of 2020, I tried to transfer the mortgage that was in the name of my late mother over to me. The bank has will, XXXX, and successor paperwork. From XXXX XXXX  2021, to present I have submitted bank statements and other financial related documentation to Bank of America, and each time the bank either misplaced it or did nothing with it. I recently received another loan packet from Bank of America to complete this process for the XXXX time this year, and today I received a letter stating that my mortgage was being transferred to XXXX XXXX XXXX XXXX XXXX I called BOA and they expressed no knowledge of this information. I called XXXX XXXX and today is XXXX XXXX, XXXX, and it is not a holiday, and the company is closed. I do not even know if this is a legitimate business. I am XXXX and I have XXXX, and it is unacceptable to me that nobody knows what is going on.
Consumer complaint received 2022-10-13
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)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

This item/account is unknown to me. Also, the information you provided on some item is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some item is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2008 Balance : {$20000.00}
Consumer complaint received 2022-07-08
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, XXXX XXXX XXXX, first contacted XXXX XXXX approximately on or about XXXX XXXX about an error on my credit report regarding an Auto loan. Despite repeated attempts, I have been unable to get them to rectify the situation. As a result, my credit score has been adversely affected. I did not give XXXX XXXX permission to run a credit check. I have not authorized this organization to access my credit report. This is a definite violation of my privacy rights. 

Additionally, I do not have an account with XXXX XXXX. XXXX alleged that I owe ( {$8400.00} ) That account does not belong to me. XXXX XXXX 's failure to provide original documents of the agreement in question has called the validity of the agreement into questionable. I tried to dispute it with ALL three credit bureaus, but I wasn't successful. This caused many delays towards my future endeavors regarding the future of my credit score. 

Three Credit Bureaus : XXXX XXXX XXXX ( Letter was sent three times ) No results TransUnion Consumer Solutions ( Letter was sent three times ) No results XXXX ( Letter was sent XXXX times ) No results XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XX/XX/2022 - Personal information on XXXX is not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - addresses XXXX XXXX XXXX, XXXX Ca XXXX
Consumer complaint received 2022-08-12
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)

This is XXXX XXXX andI am submitting this complaint to dispute the fraudulent information from my Credit Report. Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, section 605b, which states that the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$1500.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$23000.00}
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (HI)

My complaint is with PHH MORTGAGE. I have been trying to get a modification completed with this company for 3 1/2 months!!! XXXX mid XXXX XXXX They have done nothing but delay week after week, asking for yet another document or verification. 
The letters they send XXXX from XXXX XXXX XXXX state I can always get a hold of my relationship manager XXXX XXXX, whom I have never ever spoke or heard from. The calls go to another country which is just a call center that PHH MORTGAGE has. If I ask, " ok do you have all the documents now? the answer is yes ... call back Friday. When I call back on Friday I am told oh now we need ... ..another item ... and the weeks keep just rolling by causing undo stress and pressure. 
They continually will ask for ONE document every week such as a Letter of Explanation, a verification of a tenant that is XXXX XXXX and is he the same as XXXX XXXX? They should be put out of business for their tactics. 
**Time is of the essence as my mortgage payment is about to escalate to almost $ XXXX/mth ( currently I am paying almost {$3200.00} ) as of XX/XX/2021. I can not maintain that amount. I am in good standing with my current loan, never been late. I have a full time federal job, another part time job and 3 tenants that contribute rental income. 
There is absolutely no reason for this modification to not be completed. I contacted XXXX  and there are countless complaints against this company for doing exactly what I am going through. Since contacting XXXX  ( which XX/XX/XXXX XXXX  stated they had submitted my complaint to them ) I have not been able to reach a live person with PHH, the calls are transferred to a voicemail of someone called XXXX who will call back within 24 hours ... and NEVER has. 
The last request was for a " financial statement '' which was already included in their RMA ( Request for Mortgage Assistance ) the week before. 
I have raised my XXXX children in this home and have poured blood, sweat and tears into this place we call HOME. I do not want to lose my home, please help me.
Consumer complaint received 2022-07-30
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. (GA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$730.00}
Consumer complaint received 2022-07-30
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. (CA)

I am appalled by the ability of the Credit Bureaus to not comply with the FCRA regulation specifically the FCRA section 605b and continued reporting the disputed fraudulent information on my Credit File without proper verificvation! I am now submitting this complaint to request another investigation and this time, I need the items removd from my Credit File completely! By continuing reporting the disputed items without proper verification the Credit Bureaus have violated my rights, a consumer 's rioghts under the FCRA. It makes me wonder if is it only me who is experiencing this kind of mistreatment or there are a lot of us? It would be disastrous if a lot of consumer is experiencing the same problem as mine. Under the Federal Law, FCRA Section 605b, the Credit Bureaus must remove any account or information that resulted due to identity theft. The followin items were incurred due to fraudulent activity and must be removed as quick as possible : XXXX XXXX XXXX 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 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 XXXXK XXXX XXXX {$3700.00} XXXX XXXXXXXX Balance {$6200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$15000.00} XXXXXXXX XXXX XXXXXXXX Balance {$19000.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$19000.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$9700.00} XXXXXXXX XXXX XXXX Balance {$6500.00} XXXX XXXX  XXXX Balance {$3200.00} XXXX XXXX  XXXX Balance {$0.00}
Consumer complaint received 2022-12-15
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XX/XX/XXXX