davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
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: I.C. System, Inc. (MO)

Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this.
Consumer complaint received 2022-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (GA)

I have had a so called debt with XXXX XXXX for over two years now. I returned their equipment, which they can't seem to locate. 
I then asked XXXX for a itemized bill showing what I owe them. After repeated calls a lot of wasted time they never provided me a detailed itemized bill. I am sure the company has a record of the many calls into them to resolve this issue. I gave up on resolving this issue, but I refuse to pay for something I don't owe. 
Now, the " so-called '' debt has been added to my credit report by a collection agency ( ERC ) ERC sent me a letter after I submitted a dispute to the Credit reporting agencies. Basically, ERC is telling me they can not find any evidence or specific facts to support my dispute. Which of course they ( ERC ) wouldn't since XXXX can't even provide me with any facts to support their claim. I am sick and tired of dealing with this and it's becoming a form of harassment. Please help. Thank you
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (AL)

I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ). 

If you can not perform thi
Consumer complaint received 2022-09-29
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. (IL)

In accordance with the fair credit reporting act this creditor has violated my right under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NY)

RoundPoint Mortgage is the loan servicer for my mortgage. On XXXX my mortgage payment was not automatically deducted from my bank account as it usually is so I was concerned something was wrong. I checked online and my account said my lon was paid off when clearly I did not pay it off. I contacted RoundPoint and they said that my loan was going to get sold to another bank XXXXXXXX XXXX XXXX but that the deal fell through so they would fix it. However, in the process I learned they had my address wrong ( this is my biggest complaint ). They incorrectly inputted my address using half of my old address and half of my new address. Today I learned that the sale did go through to another servicer. 

This caused me to not to be able to receive any notification from RoundPoint about my loan change and also recieve information from my new loan servicer about my new account. As a result I could have went into foreclosure due to this issue because no payments on my loan would have been made unless I actively pursued the issue. 

Its resolved now but my complaint is incredibly poor service from RoundPoint that if happened to another person may have resulted in an improper foreclosure or default.
Consumer complaint received 2022-12-07
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX {$95.00}
Consumer complaint received 2022-09-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MS)

National credit systems is reporting inaccurately. This account is labeled as a collection and it is reporting a past due amount. That is illegal. There is a balance listed higher than the actual amount. The amount is {$1500.00} but is showing a past due amount of {$1500.00}. This is also illegal. The date of last reported, last activity, & date it opened is also inconsistently reported across all three bureaus. This is also a violation. This account keeps increasing and decreasing the amount on this collection. No payments have been made towards this account so it should not not be increasing and decreasing the amount. This is illegal. I have disputed this account several times with no results. All three credit bureaus have failed to provide a method of verification letter. They have only verified and updated this account every time with no proof.
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Collection account on my credit report for the amount of {$970.00}. This was noticed when we applied for a mortgage loan. Prior to this, I was unaware of this account. My husband assumed that this was an account that I had opened and sent in payment when a statement was received in the mail, and he never mentioned it to me. When I noticed this on my credit report, I contacted Portfolio Recovery. They are unable to tell me who the original creditor was, or who applied for the card in my name. The account was created online. They can tell me that it was a XXXX. This is not my account. There is also an address listed on my credit report out of XXXX, VA. I have never lived in XXXX, VA. 

Portfolio Recovery has asked me to send in supporting documentation to prove that I have never owned this account. I have no such documentation, as I would not, because I did not open this account. 

I have communicated this information to Portfolio Recovery several times, only to be sent a letter telling me that they are unable to tell me who the original creditor was ; but that this account is not in error. 

This account is fraud. I never opened it. I did not use it. My husband paid on it, because he assumed it is something that I opened. I did not. 

Please help me, as we are trying to buy a home.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out 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 you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX  XXXX Balance : {$1.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX  XXXX Balance : {$5500.00} XXXX  XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX  XX/XX/year>
Consumer complaint received 2022-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I am being Harrassed by Resurgent/LVNV Funding regarding a debt from XXXX XXXX XXXX XXXX XXXX I did not give XXXX XXXX XXXX XXXX permission to share any of my personal information to Resurgent this is a violation of the Federal Credit Reporting Act. I did not signed anything with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is aware of the unauthorized charges due to my roommate stealing my debit card and using it. I did not make the charges. Also, Im requesting copies of every transaction to this account along with signatures on every transaction. Also, I would like for Resurgent to provide me with information on how this account was obtained and how much they paid for this account. I should have been notified that XXXX XXXX XXXX XXXX was selling my account to a junk debt buying company prior to account being sold. Again I am requesting all the above information to be sent to me within 30 business days. I am not responsible for this debt and I will seek guidance from a man attorney immediately. This company has harrassed me by phone and by mail after I informed them I didnt owe the debt. If this company report anything to the credit bureaus I will file a lawsuit for damages to my personal credit report. XXXX XXXX XXXX XXXX never reported this account die this account being a checking line of credit. Resurgent does not have the right to report anything to the credit bureaus. I want a copy of all transactions and signatures immediately. If I am harassed again I will file a lawsuit. I do not owe anything. I want to see all documents that were provided to Resurgent from XXXX XXXX XXXX XXXX. I did not agree to them selling or providing my personal information to anyone.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (MD)

Unjust Enrichment through Mass Cross-national Corporate Espionage Embezzlement of Private Financial Data using False Alarm channeled through a Federal Office. 

I now see no indication that there was an OPM data breach. What I now detect are false flags implemented to grift American Citizens into handing over financial data, including social security numbers, and credit rating control to a foreign actor. 

They used then Representative XXXX XXXX XXXX 's office to influence the public to do this. 
He sent a letter to that effect on XX/XX/2015. On that day I raised consternations about the OPM data breach events and XXXX XXXX 's suggestions back to the representative 's office. I detected XXXX to be a 'person of interest ' or organization of interest related to that hack. Ever since this occurred, I have personally been de-addressed, de-represented, and de-matriculated from the financial system, this includes not being provided a replacement social security card, and not having my claims to Congress treated by any member therein,. 

XXXX XXXX is now a senator, and XXXX turns out to be Experian, XXXX, one of the three major credit reporting agencies. It is a company headquartered in XXXX, not Texas, and led by persons who are not American Citizens. XXXX is not a part of the United States of America, and citizens of XXXX are not American Citizens. There status as a credit rating agency for American Citizens is a breach of Sovereignty and an absolute violation of the Declaration of Independence and other organic laws of the Union. Experian XXXX of XXXX masquerading as XXXX of Texas obviously exploited the reports of OPM data breaches ( whether they occurred or not ) to influence a member of Congress ( XXXX XXXX ) to then influence his constitutions to enrich Experians corporate database so that Experian could operate as a credit rating agency empowered over Citizens of the United States of America. This is racketeering, influence peddling, corporate espionage, and a hand-off of financial power from citizens of the United States of America to foreign nationals on an individual basis. 

See attachment. 
This complaint also filed as FTC Complaint Number XXXX XXXX
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Comerica (PA)

First of all, None of your general descriptions meet my true issue. My Direct Express XXXX ( Comerica Bank ) was hacked for approx XXXX on XX/XX/XXXX and possibly XXXX, 2022. I have filed disputes that they send ticket numbers for but say forms were not received and now I am told that I will not get the provisional credit because paperwork not received ( I sent several times via fax XXXX ) and email provided on forms ... The dept of welfare and Medicaid sent money to my account by the time I knew it was there It was taken from Direct Express card by companies I have no knowledge of ... XXXX plus at 1 company and over XXXX at another plus residual money 's totaling approx amount mentioned, I didn't order or receive merchandise and my card is always in my possession. Please contact if more info is needed. Card company dispute dept is not helping at all. They say they are backed up but then how can you say paperwork wasn't submitted in timely fashion, my initial correspondence was via their dispute dept fax # please assist if possible here as I'm not sure how I can get my money back and no one says how they investigate as looking at my history they should get clues that I didn't hack my own acct. Please help or refer ... XXXX XXXXXXXX XXXX ( Dispute # XXXX ) card last XXXX : XXXX. Social last XXXX : XXXX
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

On Monday, XX/XX/22 at XXXX XXXX  a person had left my wife a message claiming they were with our local law enforcement, Warrant and Claims department and stating they were going to detain my wife for missing jury duty. They claimed she had gotten a certified letter in XXXX that she signed for, stating jury duty was upcoming. My wife call them back, claiming to be XXXX XXXX with the XXXX, MN police department. He had asked to transfer money over the phone otherwise my wife would be detained for paying as she had a warrant out for her arrest. Unknown to me, she was in the other room of our house dealing with this person, transferred from our Wells Fargo Bank account through XXXX, {$1000.00}. After 20 minutes of dealing with this person, she had me talk to them as they wanted to transfer money from XXXX next in the amount of {$1500.00} and trying to get a total of {$3500.00}. I talked to the person " XXXX XXXX '' and called his bluff, unknown to me she had already transferred the {$1000.00} through XXXX. I stated if he is a police officer how can he prove it... he said he would hang up and call from the main number at the police station. He called back 30 seconds later and phone number came up with the XXXX Police department. I actually started to believe him somewhat, but told him still not good enough. 
He was going to have my wife stay on the phone, record her mileage on our vehicle and drive to the XXXX, MN police station. He stated she could not go anywhere else, to stay on the phone and drive directly to the XXXX Police Station and she was about to. I told him, the police could come to our house and arrest her if this was true and told her to hang up, in which she did. 
I started a claim with our bank, Wells Fargo and filed a police report. Wells Fargo stated today, XX/XX/22 that the claim has been closed, they reached out to the other bank and was unlikely to get our money back. 
This is very upsetting that someone would push this hard and take money from hard working individuals and keep going on to the next person and do the same thing. There has to be protection out there for this. We have banked with Wells Fargo for 30 some years, have excellent credit and no records, even as far as a speeding ticket.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/XXXX, XXXX XXXX XXXX issued a teller check # XXXX for the amount of {$4400.00}. Because it was from my home equity account, the money was taken out immediately when printing. They sent that amount based on an old statement I had from Barclays Credit card. They expressed mail USPS with the tracking number of XXXX XXXX XXXX XXXX XXXX to the address on my statement which is : Barclays, XXXX XXXX XXXX XXXX XXXX, PA XXXX. According to the USPS tracking information, it was received on XX/XX/XXXX. I called on XXXX to find out when the check would be applied to my account- They told me 2-3 business days. I called back later and then had to open a case to find this unapplied check which they told me it would take at least ten days to resolve. Meanwhile I am getting charged interest on my credit card due to them losing the check and not applying it in a timely manner.

I would like them to find the check, apply it to my account and remove all interest charge on my account starting XX/XX/XXXX.
Consumer complaint received 2022-10-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (OH)

I applied for the homeowners assistance fund. The homeowners assistance fund have submitted a 2 page document to my mortgage company, Loancare XXXX XXXX on XX/XX/XXXX. Loancare has neglected to provide this information to the homeowners assistance fund. I have made lots of attempts to call, Ive escalated this matter and still, nothing has happened. The last person I spoke to on the Escalations collection team at Loancare, by the name of XXXX at extension XXXX on XX/XX/XXXX. He promised to send the forms directly to the person who has to fill it out. He promised to call me in 2 business days. I still havent received a call. So here I am, back to calling and getting no where. 

I also applied for assistance through XXXX XXXX job and family services. I was approved but due to the delay in receiving a letter and W9 from Loancare, Ive had to reapply. This process already takes a couple months. To keep having to start over is frustrating abs drawing out the negative credit bureau reporting. 

Please assistance within getting the info to the HAF, as soon as possible. Thank you.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Marlette Funding, LLC (MI)

I received a offer from Best Egg credit card offering 0 % interest on balance transfers and purchases for 12 months. I applied and was approved, but I couldn't locate the balance transfer option on the website. I called and spoke with XXXX and was told that they haven't set up that feature and he didn't know if/when it would be set up. I only applied for this card for the 0 % interest rate offer, now I have a card I can't use and it's on my credit report. 

I would like to be able to use the 0 % balance transfer for 12 months or have the card closed and totally removed from my credit reports.
Consumer complaint received 2023-01-26
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. (AL)

I've been trying to monitor my credit report with Equifax both online and with the Free XXXX XXXX XXXX. I've even tried to call a few times in the last XXXX months. Each time it's like I don't exist. I called them with the number given on their website ( because I get the error message : Please give us a call and give this code to the Agent : XXXX. Your Equifax credit report and score are not available at this time due to a technical error. ) The agent was confused and said they didn't know what that meant and tried to help me log on the website. After giving all the information I needed to prove I am me they still couldn't prove who I was or pull up any past information about me. It's like I never existed with them when in fact I did before XX/XX/2022. I can give my information to XXXX or XXXX and they can pull me up with no problem. The only problem is with Equifax. This has been going on for the last XXXX months. I just want to know if I exist with them and I don't want this to effect taking out loans or anything with companies that uses them.
Consumer complaint received 2022-09-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: STERLING JEWELERS, INC. (IA)

I tried contacting the bureaus on a account that seems to be reporting as a duplicate on credit report and inaccurate. Both accounts seem to have a {$0.00} balance with a charge off. 
I do not recall having this account. Back in XXXX or beginning of XX/XX/XXXX I wrote to XXXX XXXX asking to delete account as it is stating in accurate results came back still in accurate even after I just provided proof of inaccuracies. After I got these results back in XX/XX/XXXX, I wrote to XXXX again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking to provide method of verification and on a different occasion I asked to delete as I dont recall having this account open. I would like to know where information is coming from, especially when results continue to come back inaccurate. I have not received any document stating where information is coming from. On one of the accounts payment history reports OK as agree were on the other account and its reporting charge off. This is not possible if information is coming from same furniture data.
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (MN)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.