davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

A person impersonating a police officer called my workplace, made me leave work to pay a fee for 2 citations for missing jury duty over XXXX XXXX - didn't work, then XXXX-did n't work. Then finally XXXX. They claimed that due to COVID they are taking payments via online payment only. I paid {$2500.00} to the XXXX County Sheriff 's Office via Venmo payment. Then they told me to come into the sheriff 's office down on the south side of XXXX. Gave me a phoney address. When I couldn't find the address, I called the XXXX County PD for address. Then they told me it was a scam, that address doesn't exist. They told me to call XXXX XXXX PD to file a police report ( see attached ). Then they told me to call all the credit bureaus to set up an extra security alert on my SSN. I did. Then I called my bank, a stop payment was put on the payment. I got my money back because my bank and I acted quickly. Now Venmo is threatening me with debt collection even though I was a victim of a scam. They want ME to pay the {$2500.00} instead of the person who stole it. I gave them the name and phone number to the criminal. They are still coming after me. A criminal was impersonating a police office to commit fraud. They were professional con artists and very believable. I got my money back so Venmo should now go after the people that took my money, not me ( the victim ). I emailed Venmo only, can't get through to anyone by phone due to COVID.
Consumer complaint received 2021-02-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

Due to covid19 I fell behind considerably on my mortgage. At the same time I had an home owners insurance claim pending for water damage and other issues. I was eventually awarded {$45000.00} on the claim. As required, I immediately sent the check to Freedom Mortgage on XX/XX/2020 who is my mortgage lender and explained to them that it would take approximately {$25000.00} to do the repairs In my house and I would like to use the rest to bring my delinquent mortgage current. To this day I have not received any of the money to start the repairs on my house despite sending all the additional documents that Ive been asked to send pertaining to my divorce. I was told that my ex wifes name would have to be included on the check. I sent them a document showing my ex wife had assigned over the insurance benefits to me. They asked me to send in the divorce decree showing I was awarded the property during the divorce. After I sent that it still wasnt good enough so I asked them to just go ahead and put my ex wifes name on the check and I would work it out from there. I was told no, they cant do that, but the hold issue was that the check must have the ex wifes name on it. After exhausting all my efforts I decided to make this complaint.
Consumer complaint received 2021-02-10
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: AmeriCollect (IN)

I contacted Americollect XXXX XX/XX/2021 at XXXX ET concerning a collections account that was on my XXXX  credit report. I spoke with XXXX, one of their Collections Analysts. After inquiring with respect to the stated account she affirmed that Americollect would immediately update the account with the credit Bureau as paid the same day before the close of business, if I opted for their 'Pay for Delete, which I did. Following XXXX 's guarantee that Americollect would update the account with the credit reporting agencies and expedite my request, I concurred to pay off the account in full, as agreed. It was brought to my attention that if I made the payment over the phone with her that I would not be able to be supplied a payment confirmation nor would it post the same day. Preceding this disclosure I elected to make the payment on their customer portal with the credentials she furnished for my account. I requested that XXXX stay on the line to ensure that the payment was processed successfully. Upon receiving my confirmation from Americollect 's site while still on the phone with XXXX, she confirmed that the payment was posted to their system. XXXX then certified that the " Pay for Delete '' would be sent today ( same day XX/XX/XXXX ) and should be removed from my report in one to two business days.

Having seen no updates to my credit file, confirmation from Americollect or XXXX  account I determined to contact Americollect XXXX XX/XX/2021 seeking an update. I was transferred to XXXX, Collections Analyst who advised me my payment and " pay for delete '' update was not submitted until Monday XX/XX/XXXX. XXXX was instructed of the expectation, terms and arrangements coordinated and set in stone with XXXX on XXXX XX/XX/2021 at XXXX XXXX. She admonished me that the details which were provided to me were inaccurate. Being that they would not expedite anything to the Credit Bureaus, all payments made to Americollect whether online or over the phone are not processed until after 48 hours, and ultimately the payment posted date, in which I confirmed was received by Americollect after my payment. 

Succeeding this exchange with XXXX, I then requested to be placed with a Manager or Supervisor as a result of my dissatisfaction with my pledged expectations being unmet. Subsequent to my transfer I was connected to XXXX, Americollect Supervisor to express my great disenchantment and hurt. She went on to restate the particulars and details shared by XXXX. 

The FCRA law ensures that bureaus report 100 % accurate credit information. This is unfairly penalizing my credit score and I am requesting the account be removed as agreed upon and updated now. I have attached a copy of my payment confirmation to this file. All calls are recorded for quality and training purposes, so if need be I am requesting that the call be pulled from XXXX  XX/XX/XXXX at XXXX ET.
Consumer complaint received 2021-01-20
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. (MI)

On XX/XX/XXXX, XXXX XXXX credited my credit card account with the amount {$660.00}. This was a random erroneous credit that I did not initiate in any way. 

This temporary credit then negated my autopay scheduled for late XX/XX/XXXX. This then caused me to miss my XXXX monthly bill. XXXX XXXX did not email or text me about any of this ( despite my election to paperless notifications ) and only sent me a physical letter months after the fact, which received XX/XX/XXXX. 

This late payment then caused XXXX XXXX to freeze all my rewards points, fine me, and report to the credit agencies a missed payment as being my fault. This then lowered my credit score over 100 points. 

And after hours on the phone with XXXX XXXX on XX/XX/XXXX, they promised to fix it and follow up, but still nothing has been addressed about this erroneous late payment report on my credit statement for two weeks. When I talked with XXXX XXXX on XX/XX/XXXX, they didn't seem to believe any further action on their part was necessary, so I had to initiate the process of requesting they fix my erroneous credit report all over again.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXX XXXX Balance : {$0.00XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Today XX/XX/2021 someone committed fraud and withdrew {$660.00} out of my account from the Bank of America branch atm. My card is in my wallet, I never let anyone use my card, my pin has never been shared and only memorized by myself. I filed a claim with the bank and after speaking to 3 representatives, I was given 3 different processing times and no definite answer.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
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: EQUIFAX, INC. (OK)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


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 XXXXXX/XX/year>
Consumer complaint received 2021-02-10
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 recently submit a complaint and dispute an allege debt on my credit report shown as XXXX  an Experian stated the dispute but then the result show me no changes and the account should be deleted. please delete this alleged debt on my account.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was applying for a HELOC on XX/XX/2022 with a financial institution, when I was denied. When I requested my credit report I found over 4 unauthorized Inquiries on my credit report. ( 2 ) from XXXX dated XX/XX/2022 and XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022. I contacted all of the creditors also the 3 major credit bureaus, XXXX, XXXX and TransUnion that where reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or Police report. Along with providing a copy of the CFPB, copy of my license and a proof of address. As of today XX/XX/2022, I have not gotten any updates or satisfaction. So on XX/XX/2022 and XX/XX/2022, I repeated the process again. All 3 bureaus told me to get a statement form either the CFPB, FTC or Police. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy mailed to my house yet. But the bureaus keep posting that it was either updated or verified.
Consumer complaint received 2021-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

Credit control corporation in XXXX XXXX Virginia continues to report medical debt on my credit report that is not owed. I have called them dozens of times, submitted insurance information as well as disputed with the three major credit agencies. My husband is XXXX XXXX military and we have XXXX  prime insurance in which we are not responsible for any co-pays, deductibles or fees or any kind when it comes to XXXX XXXX. They have been report and attempting to collect from my over {$1000.00} since XXXX. When I report it to the credit reporting agencies it just starts the clock over for when it is being reported, so now my report reflects XXXX, XXXX and XXXX when some are 6+ years old. I have also submitted complaints to XXXX directly and they state they have done everything they can but these accounts are no longer with the original facilities so its up to credit control to drop it. I do not owe these debts and this is a huge injustice to service members and their families as I am not the only one dealing with their shady tactics to money grab from service members.
Consumer complaint received 2021-02-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (AZ)

I WAS LATE ON MY MORTGAGE PAYMENT BECUASE IBECOME UNEMPLOYED THAT WAS XX/XX/2019 I WAS STRUGING WITH XXXX KIDS THAN PANDAMIC HAPPEN I DID CALL THE MORTGAGE COMPNY AND TOLD THEM I AM UNEMPLOYED i can not make payment they told me i could go on forbearance plan for 6 months i agreed so i check my credit report i saw negative info from my mortgage company i called them and they told me that i should be told by the person that called me the first time to put me on forbearance plan that it will show negative info on my credit report but she did not tell me that AT THE BEGAING THEY TOLD ME to bring the payments current than it will report to credit bureau i am not late i told them it is too late now please fix my credit so i sold my car to pay the payments and to bring the account to current i di pay and nothing happen i check the bureau again more negative info i called again they to me because it took me to pay around 1 month i have to catch up again i have no more money no income if i had the money i would not be on FORBEARNCE PLAN FOR XXXX SAKE they to me to write a letter to them i did NO RESULT PLEASE HELP ME IF I COULD FIX MY CREDIT I COLD REFINANCE THE HOUSE THE THE MORTGAGE PAYMENTS WOULD LESS
Consumer complaint received 2022-07-25
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-08-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (OH)

Request transfer of VA appraisal from M & T bank to XXXX XXXX XXXX and they have yet to receive it. M & T took 4 months of no return calls to address my concerns and/or requests. Attempted to schedule closing once they received notice to transfer. As a XXXX veteran.Ive never experienced such horrible treatment nor has a VA loan ever take 4 months. Follow up email was further degrading. Please assist with this transfer if possible. XXXX XXXX XXXX, XXXX. Thank you
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (IL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported 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
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (GA)

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine. 18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).