davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
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: BANK OF THE WEST (MO)

For over two years, I have been a victim of identity theft. The identity thieves have opened numerous charge accounts in stores, applied for several credit cards, using my personal information as their own. I have know idea how they obtained my information. 
On XX/XX/XXXX, someone opened a bank account at Bank of the West with overdraft protection. Shortly afterwards they overdrew the account for {$5300.00}. Bank of the West turned the matter over to a collection agency who contacted me in XXXX, XXXX. Because I disputed the debt, they suspended collection efforts and asked Bank of West to look into the matter. This debt of {$5300.00} is still on my credit reports and has hampered by ability to take advantage of lower interest rates to finance my house. They have slandered my credit and do don't respond. I have complied with all their requests including filling out numerous forms, sending them a copy of my drivers license and obtaining a police report. I have copies of all correspondence.
Consumer complaint received 2021-04-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I XXXX XXXX HAS ASKED EACH REPORT BUREAU TO PROVIDE IN WHICH IS required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. 

iT'S BEEN OVER 30 DAYS SENT LETTERS ON XX/XX/2021. IT IS NOW XX/XX/2021.
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (VA)

Attempts at getting refund of escrow due to me because I refinanced loan have not worked. The loan was paid in full on XX/XX/2019. As of today, XX/XX/2019, the escrow has not been paid out to me. This is past the 20 business days required by law to refund the money. 

I have attempted to resolve this numerous times with the lender. 

XXXX XXXX XXXX Attn : Consumer Solutions Department XXXX XXXX XXXX Virginia XXXX, VA XXXX Customer Service : XXXX On XX/XX/2019 XXXX told me she would overnight the money on Monday. On XX/XX/XXXX XXXX told me he would do the same. This request goes nowhere and the money remains held by the bank in the escrow account. The money should have been refunded XX/XX/XXXX which includes 1 day for XXXX XXXX holiday. 

Amount owed to me is {$4900.00}. 

Law is here : https : //www.consumerfinance.govXXXX Thanks in advance for helping us resolve this.
Consumer complaint received 2019-10-22
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)

Equifax and XXXX are reporting incorrectly a Foreclosure on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account was not in a foreclosure and should not be reporting as such. I have attached a copy of the Payoff Statement from XXXX XXXX dated XXXX along with the Settlement Agreement dated XXXX. I was told by XXXX XXXX that the language reporting on my credit report was in error and that they have requested this language to be removed. The account status needs to report accurately that this account has in fact been paid in full. This incorrect coding and reporting of a Foreclosure is seriously harming my credit score and this line item needs to be removed and/or changed to report a {$0.00} balance and paid in full. I have contacted the ( 2 ) bureaus to change this language however, I have not been successful.
Consumer complaint received 2019-10-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I acted as a liaison between two individuals whom I do not know at the behest of a friend who is friends with one of these parties. A man from XXXX wanted to send money to his fiance living in XXXX. There was no XXXX XXXX nearby for him to access and PayPal does not operate in XXXX. He made three PayPal deposites into my PayPal account ; {$100.00}, {$120.00} and {$100.00}. I deposited these transactions into my bank checking account and then used my debit card to foreward each transaction via XXXX XXXX to his fiance in XXXX who my friend knows. The money was picked up. 
Days later, the man in XXXX Filed a claim to PayPal that he had not received the " merchandise '' that he ordered from me and PayPal settled in his favor for the amounts of {$100.00} and {$100.00} plus fees. PayPal ruled in my favor for the {$120.00} transaction. 
I have made several attempts to dispute these claims against me but PayPal is very difficult to work with. I have sent all the proof necessary. They will not look at these transactions in totality.. They will only judge them individually and can't see this as a scam. The fiance got her money and the man in XXXX got two of his transactions refunded to him. He likely " gamed '' PayPal 's system which favors the " buyer '' Im XXXX years old and have a great deal of trouble navigating PayPal 's Website and the people on their chat help line are inexperienced and follow a company protocol and are unable to help me. 
Perhaps you can.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint in response to the Credit Bureaus ' current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. How many times do I have the Credit Bureaus that the information they report on my Credit File is erroneous and is leading to a Negative impact on my Credit File? I have been requesting for the Credit Bureaus to conduct a proper verification of the Disputed accounts by sending me certain documents to prove the Credit Bureaus credibility and authenticity of the information they present. I don't even know if the Credit Bureaus really did conducted an investigation or not since they have never responded to my Letters. Right now, I am submitting this complaint once again to have the following items investigated and corrected. If the Credit Bureaus can not provide proper verification nor correct the disputed accounts, it would be wise to have the items removed completely from 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 XXXX 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 2020-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

Hello, I am XXXX XXXX. I am a veteran and I served 7 years in the XXXX XXXX I am just trying to fix my credit score and need help from XXXX XXXX XXXX XXXX XXXX. I have recently paid off a debt. I know that there is a 7-year time frame to remove it from my credit bureau reports. I have tried everything and have been going back and forth with Enhanced Recovery company and XXXX XXXX XXXX XXXX XXXX. 

I am trying to buy a home here in Texas and ask if you can please work with me and remove the XXXX balance paid from my three credit bureau reports. I apologize for my lack of responsibility and will never do it again. 

I am XXXX, I have been traveling the world and now ready to settle down and buy a home. Can you please help me accomplish this goal.
Consumer complaint received 2022-06-15
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. (OH)

I have disputed all of my personal information as well as disputed all inquiries that I have listed below as fraud as I am a victim of identity theft and fraud and the credit bureaus have not removed these from my credit reports. 
I have contacted each of these companies and they could not verify why these inquiries were made and informed I needed to contact the credit bureaus. 

I have filed police reports # XXXX as well as filed identity theft and fraud reports. 

1. XXXX XXXXe 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8 . XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11 XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX 15. XXXX 16. XXXX XXXX XXXX XXXX, XXXX 17. XXXX XXXX
Consumer complaint received 2024-10-16
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. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (UT)

I have been trying to apply for the XXXX Forgiveness Grant Application that Navient offers. I have filled out and sent in on 5 different occasions their form for requesting the grant. Each time it was denied I would call up and fix the error they said I had made, and then resend it in just to find out that another error was " noticed '' on it and then had to refill out and send in the form again. On XX/XX/XXXX I sent in what I had hope would be my 6th and final form. I did NOT get a denied letter this time so I assumed it went through. 2 months have passed and I didn't receive anything from them, so I called them today ( XX/XX/XXXX ) to see how my application is coming along. The representative told me that it was never sent and that they already told me it was denied. After arguing with her she then apologized and said that I was right I didn't get a notification, but I still needed to fix my form FOR A 6TH TIME. I told her I wanted to speak to her manager or another representative. I was transferred and she, again, confirmed that I was right and they did not inform me that my application that I sent in XXXX was denied. I then asked well can they send it in now. She said no because of section 3 on the form THEY GAVE ME and already filled in was incorrect. I needed to write " NAVIENT '' on it not their phone number ... but I explained to them that THIS WAS THEIR FORM AND IT ALREADY HAD THEIR NUMBER ON IT, I DIDN'T DO IT. Plus if that is all then why can't they just write it in themselves? Why is it such a big deal to not send in my form to the government to get approval? I have been XXXX  for 9 years now with XXXX XXXX and all I'm asking is for that {$5000.00} dollars that they promised by filling out a simple form. Why is it becoming more of a hassle than it is? So now I have to re-fill out a new form and resubmit it and hopefully then " accept '' it, but now I am pushed back on paying off my loans for another 3 months.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I sent a letter dated XX/XX/2022 to XXXX, Experain and XXXX detailing the furnishing of inaccurate information listed on my credit report ; including an incorrect address, accounts more than 7 years old, and unverified accounts.

My letter further explains how I reached out to each creditor listed on my report and requested within 30 days of receiving my letter they verify, through documentation that I am responsible for the accounts they are falsely reporting. As of XX/XX/2022 I have not received any verification from any creditor. 

The letter request that these items be investigated and removed, as of today 's date XX/XX/2022 no action has been taken in regards to updating my credit report by any of these reporting agencies.
Consumer complaint received 2022-09-17
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. (IL)

According to the FRCA The Term Investigate consumer report Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXX
Consumer complaint received 2019-05-20
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (CA)

I have requested multiple times that that Shellpoint report my tradeline to the credit agencies. It refuses to do so based on the fact that I filed a Chapter XXXX in XX/XX/XXXX. At that time my lender was XXXX XXXXXXXX XXXX. I reaffirmed my property and continued to pay my mortgage to XXXX XXXXXXXX XXXX. In XX/XX/XXXX I filed a Chapter XXXX. My mortgage WAS NOT included in the Chapter XXXX. XXXX XXXX XXXX appeared at the hearing and did not dispute the filing of the Chapter XXXX. XXXX  XXXX XXXX then sold my loan to Shellpoint mortgage in or about XX/XX/XXXX. I continued to make my mortgage payments to Shellpoint since that time. I am now discharged from the Chapter XXXX and I have submitted to Shellpoint my final accounting from the Trustee that shows my mortgage was not a part of the filing. Shellpoint refuses to report my credit history stating that I never reaffirmed from the Chapter XXXX filing. I have been paying my mortgage to Shellpoint for five years. Shellpoint has also approved me for a loan modification in XX/XX/XXXX which I refused. As such my mortgage payment is officially reaffirmed.
Consumer complaint received 2020-09-09
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: BMW Financial Services NA, LLC (OR)

After escaping an abusive marriage of 12 years I have been working on repairing my credit. My ex-husband didn't adhere to the stipulations of the divorce pertaining to unpaid debts, nor did he pay child support as he is over {$90000.00} past due. In the last two weeks my credit score has been increasing and I was alerted I was over XXXX! I was elated and so excited and proud of myself. In addition, I had applied for a house for myself and my five kids to move to as my lease is expiring where I live and I can no longer afford the rent. About a week or so ago I noticed some credit lines  from BMW didn't have the correct loan dates reporting so I filed a dispute. Last Friday, after incorrectly reporting the loan dates and the lines of credit as open and past due debts BMW decided to report the debt as a charge off which took my score under XXXX in one day. I am not sure why BMW would retaliate against my dispute in such a harmful way. I was advised today due to the drop in my score I am no longer eligible for the rental home I was moving my family and my available credit on two of my small balance credit cards was reduced. Three years of incorrectly reporting, and now they decide to report as a charge off - with COVID, a loss of income, no child  support and now my credit is below XXXX again and I am homeless. This is how BMW handles consumer issues by causing consumer harm? I have no where to move my children to - BMW incorrectly reported the debts - rather than making such a large change aware of the impact it would have on my financial reporting they should have done the right change and updated the credit history - instead BMW has taken a single mom and made her homeless.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. Please find the ATTACHED FTC REPORT # XXXX documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 



According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX
Consumer complaint received 2022-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (OK)

I received a letter stating I was sent to collections for rent due in XXXX & XXXX of XXXX at XXXX XXXX. This is incorrect information, I did not live at XXXX XXXX after the end of my lease in XXXX of XXXX. The debt that was sent to collections isnt mine nor did I sign a lease for those dates. The management company has been unable to produce my lease from XXXX or the lease from XXXX. They cant not find it and it is assumed to be lost. I called IQ Data and spoke with a man who was deeming, respectful, and just plain difficult. He gave me false information stating my letter was returned to sender when I tried to get more information on what was returned to sender he just kept repeating the letter was returned to sender. I asked him if he received my dispute letter to the po box and he replied I dont check the mail, thats not my job. He would not explain or help assist me in anyway. I called back a few days later and spoke with another man who was EXTREMELY helpful and restored my faith in this company. He walked me through the process, explained my options, explained what was returned to sender ( the letter they sent back to me, not my dispute letter ), and stated the collection agency is also trying to get the lease from the management company, which they have still not provided to them either. He was honest, kind, and so helpful. I then spoke with the management company who said she can not find the lease anywhere and stated I would not be on the second lease because I had signed another lease with another company and had I been on the second lease at XXXX XXXX they would not have leased me another apartment. I agreed. She said she would write me a letter stating it can not be found. I then called IQ Data back and begged the first person on the line to NOT send me to the same person as the first time. They could not and sent me back to XXXX and it was round 2 of this man being extremely unhelpful and difficult. I asked where should she send the letter to and he just stated they have all our information that they need. I asked what I need to do and he just repeated send in a dispute letter over and over and over again like last time. I replied I have already sent the letter and you confirmed you received it why would I need to send another? He just repeated what he had said before. This man was infuriating and extremely upsetting. I understand debt collections isnt customer service but at least the 2nd gentleman I talked to helped me out and explained stuff to me. He was so much kinder and helpful than this XXXX. 

This debt is false information and I dont know what to do next.
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 — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Consumer complaint received 2023-03-23
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. (FL)

Ive been disputing a credit card that is reporting on my credit report that is false and causing me to be denied credit. I receive letters for three different debt collectors about the same debt, when i try to dispute with the address given my mail is being returned to sender. I have no knowledge and or contract with this company or any of the other companies that is trying to collect on this inaccurate debt. the alleged debt is in the amount of {$750.00}, I have not been provided with any proof that I owe such debt from any of these debt collectors and credit bueraus. Everything continues to come back as verified accurate still with no proof of accuracy. I have a letter form the alleged original creditor XXXX XXXX XXXX stating that they have no record of the account ending in XXXX.