davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (CA)

XXXX XXXX, XXXX. Founder, President and CEO Cross Country Mortgage XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/2022 Re : Cross Country Loan Number XXXX Dear Sir- Please find enclosed approximately 40 pages of documentation that we have provided to your company in order to release our balance of {$7800.00} in insurance payments to us for the repair of flooding to our home. We have attempted to collect this amount from your company on multiple occasions since last May. We have continued to address newly generated information requests as they seem to occur to your Loss Draft department. I did not include the documentation we generated for your assigned appraiser who opted to take our pictures in lieu of visiting the residence. 

As of XX/XX/XXXX, your Loss Draft department has not refunded our money and can not tell us what additional information needs to be provided. Rather, she told us we have insufficient documentation but without any explanation as to what that means. Instead, she transferred me to her supervisor for whom I left a voicemail. Consistent with your poor service, I have not received a return call. 

We purchased our loan through XXXX. Typically I think XXXX does a good job of connecting its members with reputable vendors. In this case, I am copying XXXX so that they are aware of your poor performance. 

I would like a response with ALL your documentation needs, Stop kicking the can down the road while sitting on my money. 

Sincerely, XXXX and XXXX XXXX XXXX # XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Consumer Financial Protection Bureau ( via online complaint form ) XXXX XXXX XXXX  ( via online complaint form ) California Department of Financial Protection and Innovation ( via online compliant form )
Consumer complaint received 2024-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (IL)

Fidelity Elan has been a persistent presence on my credit report for several years. I have lodged multiple complaints with the credit bureau regarding the fluctuating balances. This issue has been under dispute for an extended period of time. Despite my continuous reports to the bureau, I have been informed that either the account does not exist or that the balance displayed does not align with the ongoing dispute.
Consumer complaint received 2024-10-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Prosper Marketplace, Inc. (OH)

I originally got a loan with XXXX XXXX for {$5000.00}, and I made the payments and was on a payment plan. Over time, I was unable to keep up with the payments and received an email that it was being charged off and sent to IC Systems. The problem is that I have had XXXX communication with this company and its on my credit report affecting my score, but I dont know what my balance is or anything.
Consumer complaint received 2022-09-19
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. (PA)

As an Consumer thats protect by the laws of the FDCPA I would like the attached items on my Consumer report to be deleted. See attached ; Inquiries/accounts ; INQUIRIES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never gave your agency PERMISSIBLE PUROPSE to furnish anything on my Consumer report. Per 15 usc section 1681 ( B ). And this also VIOLATES my right to PRIVACY according to 15 usc section 1681. And I would also like the following accounts removed due to the above mention VIOLATIONS as well ; Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reporting inaccurately, and I have a right to a FAIR and ACCURATE Consumer Report per FDCPA and the FCRA. And its also a VIOLATION of 15 usc section 6802 ( A ).
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to disputed account on my credit report that were made without my consent. Accordind to604 of the FAIR CREDIT REPORTING TO SECTION 15 U.S.C 168 1B, there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, account XXXX XXXX, XXXX XXXX / XXXX XXXX
Consumer complaint received 2022-09-19
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize these hard inquires from my credit report. I am a victim of Identify theft.
Consumer complaint received 2022-09-19
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. (GA)

XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX I do not recognize these hard inquires from my credit report. I am a victim of Identify theft.
Consumer complaint received 2022-09-19
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. (CA)

I was referred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) by the XXXX website since they are handling low to moderate-income families who obtain loans with down payment and closing cost assistance. 
XXXX XXXX XXXX # XXXX, who was the assigned consultant reached out and assured me that she will be able to assist me with my needs. 
As a first-time homebuyer, I made it very clear upfront that I only prefer pre-approval using soft inquiry to learn how much I can get qualified for, how much I can afford, and also have a better understanding of the entire process before diving in with the actual buying process. During the pre-approval process, I was trying to avoid any mishaps or headaches correcting something posted on my credit report which will be a hassle to correct. 
According to XXXX, she did a soft inquiry and provided a pre-approval via email, however, she provided a pre-approval letter to the selected real estate agent ( referral by XXXX ) bypassing me. I received the pre-approval from my real estate agent and not XXXX. This kind of threw me off. After my pre-approval, it appears XXXX did not want to deal with me ( not sure why ) In the meantime, I reviewed the pre-approval and nothing details on that letter made any sense. I typed up all my questions and emailed them to XXXX for answers ( XX/XX/XXXX ). When I did not hear back from her, I called her on XX/XX/XXXX. Right before that phone call, I received an email from Experian informing me of a credit inquiry on my report. I did not think of anything at that time. During the call, I repeated each of the questions that I had on the pre-approval for XXXX to answer, and I also asked her if she by any chance might have done a hard inquiry on my credit. Her answer was Yes because I think you are ready. I was shocked, and told XXXX, as per our conversation, that I did not consent/permit her to run a hard inquiry yet since I was still making decisions on whether to move forward yet or to wait a little longer. 
She was upset about the situation, making me feel it was my mistake. She told me she can take the hard inquiry off my report. I circled back to her on XX/XX/XXXX checking to see if she did make that call, and her response was I will initiate the process. I followed up again on XX/XX/XXXX requesting an update, and her response was, XXXX, this is not an overnight process will take a while. I dont get updates.. 
At this point, I do not trust her. I am not even sure she did initiate the process to correct my report. This is the type of situation that I was not looking forward to but yet I am going through it. 
I need some help and support to get this fixed. I have all email responses if I need to show them as proof.
Consumer complaint received 2022-09-19
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: EQUIFAX, INC. (GA)

These are the inquires that on my credit report. I filed a police report on XX/XX/XXXX, and I sent all of the documents to Equifax by certified mail and they refused to remove them. 
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 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 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
Consumer complaint received 2022-07-12
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. (NC)

Department of Education XXXX XXXX : I am no longer connected with XXXX, for the loan has been transferred to XXXX XXXX XXXX. Also, I would like the Department of EducationXXXX removed from all my credit reports. It shows negative/Late payment, yet my student loans have been either in deferment and/or forbearance since acquired. 

Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-13
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. (NY)

It has been drawn out into the open that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that Experian, XXXX, and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$910.00} XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (MA)

I became victim of a scam last XXXX by a company called " XXXX '' through which I invested about {$13000.00} on cryptocurrency via CRYPTO.COM. They used all types of incentives to have me put in my money. All my transactions had been from my XXXX accounts through Crypto.com to their fake digital wallet on my profile. I realized that I was being scammed when I was told to pay taxes on the " fake '' earnings that were posted in my account on their website. Knowing that only the IRS has the authority to collect tax on investment earnings, I started digging more and found out the whole platform was fake. I confronted them and they threatened to freeze my account. I reached out to XXXX  for assistance with no success. " XXXX '' cleverly orchestrated a prevalent scheme of deception to lead people to invest significant sums while knowing that those would-be investors would ultimately lose the money, they had entrusted to it. The overall purpose of the scheme was to target and defraud people who are often inexperienced and nave, in pursuance of illicit wealth through various fraudulent representations. I did not know, and through the exercise of reasonable diligence could not have discovered, the fraud that was being perpetrated upon me by the Company. As a result of this, I was deceived into transferring my funds for investment returns that were never delivered. I will certainly never receive any monetary value for the investments considering the way the Company had their scheme rigged thus causing significant economic damage to me. I put in claims through XXXX and provided proof of all the fraudulent activities that had been a victim of, unfortunately they denied XXXX of them. I hired a XXXX party company, XXXX XXXX XXXX to help me build a case against both XXXX and Crypto.com. XXXX has not been responsive at all and XXXX completely denied all the claims. The 3rd company promised they would do everything to help me get my money back but I have not heard from them for about 3 months. I also paid the company a retainer to start the process. We entrust Banks to safeguard our hard earned money. Financial institutions are well aware of the scope and nature of cybercrimes as related to cryptocurrency and the risks that these pose to their clients, who, in contrast, mostly have limited knowledge of these dangers. Scam victims have relatively little freedom of reactivity ; under such circumstances, they respond immediately, instinctively, and invariably to the specific demands of the perpetrator. Being able to consciously refrain from reacting in such a way is extremely difficult and sometimes impossible. This complex issue has caused substantial harm to me and other people who have been victims of the same schemes. Those institutions should implement controls to protect people like me with no investment knowledge as we are the main preys of those predators.
Consumer complaint received 2022-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have received repeated phone calls over a period of approximately 1 month or more from this debt collection company. The caller ID identifies them as Portfolio Recovery. They seldom leave a voicemail but one of the times they did they specifically asked for an individual by the name of XXXX XXXX. I DO NOT KNOW a XXXX XXXX and I have had the same cellular number for well over 10+ years. They call from all various numbers and a few have been listed below. I use XXXX as a call screener and this company has been reported a spam/scam. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I was defrauded in the amount of {$9900.00} in my Bank of America account # XXXX in six transactions from XXXX XXXX XXXX 

On XX/XX/XXXX at XXXX, I was contacted by an individual claiming to be an employee of Bank of America XXXX He was calling from the same phone number that was on the back of my Bank of America debit card ( and he reinforced that point ) and that there was fraud activity on my account that needed immediate attention. He indicated that I needed to move money to this fraudsters account so they could actively pursue this individual and press charges against him. 

Per there recommendations, I moved money via Bank of Americas XXXX app, and it seemed very legitimate since this individual was calling from a Bank of America phone number and never asked me to give out my bank account number or information. 
The same individual called back on XX/XX/XXXX and said that several other money moves would be made, but these were normal to pursue this fraud, and all money would be credited back to my account within 7 days. 

After figuring out that this may be fraud, I called Bank of America fraud department on XXXX  directly and they opened a claim for me. The claim # was XXXX ( and was also referenced case ID # XXXX on the phone ), and they said the individual that opened that account was from a XXXXXXXX XXXX ( account number was not given to me ). 

I also opened up a local police report here in Oregon ( case # XXXX ) with XXXX XXXX XXXX XXXX ), but he said that nothing would be done on their end. 

On XXXX I received notification from Bank of America via email that my claim was denied and the funds were non-recoverable. 

My complaint is against Bank of America ( as well as XXXX XXXX  ). These banks are the parent companies of XXXX and are clearly not doing enough to protect consumers, vet existing customers ( that are opening accounts as fraud ) and recover fraudulent funds on behalf of customer ( that are their own customers ). This is just wrong.
Consumer complaint received 2023-03-30
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. (MA)

I sent Equitax the proof that there investigation was not done properly and they are reporting in accurate data on my report. 
Letter from the Bank advising it was not a charge off. 
Bank statements with proof of payment on the months are they reporting late. 

The account was never charged off or late. 
It was settlement due to Covid 19.
Consumer complaint received 2022-09-20
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2024-08-29
Product: Credit reporting 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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX - Account NumberXXXX Account Name : XXXX - Account NumberXXXX Account Name : XXXX - Account Number:XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX XXXX XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX - Account NumberXXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number:XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX- Account XXXX Account Name : UNKNOWN - Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this