davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Dear Consumer Finance Protection Bureau, My name is XXXX XXXX and I am filing this Complaint with your department a copy of the same was sent to FBI team and Federal AG XXXX XXXX XXXX Office also regarding the disasters done by Fifth Third Bank by not following the FBI Complaint that was filed on XXXX XXXX regarding the XXXX XXXX XXXX relief money that was delayed for 12 months and caused the financial burdens for me. I also sent the copy of the FBI Complaint to the XXXX and told them to put the account on hold as the delay occurred from the XXXX  XXXX XXXX department side and was not my fault. I have sent the regular loan payments from XX/XX/XXXX till XX/XX/XXXX and then had to stop the payment as I waited for the XXXX  XXXX relief money which I filed a complaint to the FBI after the delay caused. I have sent correspondences, phone calls and relevant documents which I will attach after filing this Complaint. The phone calls from XXXX team made me get XXXX XXXX and I was in Emergency with XXXX XXXX on XXXX XXXX and that's when I filed the FBI Complaint after coming from the Emergency. Inspite of me sending them the FBI Complaint on XXXX XXXX, they sent me a default letter on XXXX XXXX for which I corresponded asking them to put the account on hold until I receive the XXXX  XXXX relief money. They did not heed to my request and then they towed my car from the parking lot and my car went missing and I called XXXX and spoke to police department who said the car was repossessed. I then sent a letter to XXXX asking to return my car else I will take action on XXXX XXXX. They sent me a letter on XXXX XXXX that they have repossessed the car. I sent the documents to the XXXX XXXX XXXX asking for {$200000.00} plus the value of my car {$39000.00} and the interest I paid from XXXX till XX/XX/XXXX for causing me XXXX XXXX  and bodily injury along with not following the FBI Complaint of XXXX XXXX and wait for the resolution of XXXX  XXXX relief Orders from the FBI. Now I am without car for 58 days and renting and spent more than {$5000.00} in renting the Cars and taking XXXX to travel. Can you please get me back all these money as equitable relief for the damages done by XXXX so I can buy a new Car immediately. I am moving to XXXX and packed all the items for the move and put the US Mails on hold. Can you please call and email me only and send me the relief? Thank you so much for all your efforts in this matter and getting me the relief money after validating the XXXX  XXXX relief application, 3 months of Calls I made to XXXX XXXX team, FBI Complaint, Emergency visit and prompt loan payments till XX/XX/XXXX and my credit  score of XXXX sending in the attachments. 
Best Regards, XXXX XXXX XXXX
Consumer complaint received 2022-08-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  XX/XX/2021 Inquiry XXXX XXXX | XX/XX/2021 Inquiry XXXX XXXX XXXX  | XX/XX/2021 Inquiry XXXX XXXX XXXX | XX/XX/2021 Inquiry XXXX XXXX XXXX | XX/XX/2021 Inquiry
Consumer complaint received 2021-10-06
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Ive disputed this multiple times with the same result it remains on my report. The reporting is clearly incorrect and you have still yet to remove or fix it properly. These items are 4 Closed charge off accounts with the XXXX police federal credit union. That report charge off month after month these accounts have been closed since XXXX and XXXX. These are clearly violations of the FCRA and need to be removed immediately!
Consumer complaint received 2019-05-03
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. (CA)

I am a victim of ID Theft since XXXX I have been victimized several ( 3 )  times throughout the years. My most recent was in XXXX for credit cards and banking transactions, XXXX XXXX, XXXX, XXXX XXXX and XXXX check systems, Companies XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. ( Don't know of them or open accounts ) I have reported and contacted the Bureau by letters and made several attempts to request a further investigation on wrongfully reported, collections, credit cards and defaults on my credit report. I have asked to remove and to provide me with the proper documents to verify the activities of the accounts. I am not accountable for those accounts and need them remove and correct the reporting, also I have asked to remove all the Names on my report that is every single name in my credit report along with the 28 addresses that I have never live in. I have been at my current address for 15 years which is I have creditors, banks, collection agencies. I have done all my due diligence in taken action towards recovery my credit and ensuring that all agencies due there responsibility, and from the way things have gone, It has been the most horrible and stressful task that requires time, and patients and I mean from contacting the FTC, State police, to DMV changing my ID #, to social security for wrong income reporting. Social Security says they can not do anything about it changing my number unless I'm a victim of XXXX XXXX, that's insane! I have been dealing with ID theft for 19 years and it simply does not get any easier, this has caused me hardship, XXXX XXXX, and not be able to homeownership, As a consumer and a citizen there has to be more measures for actions and for the reporting companies to make sure when information negative information or any to also have an attached file in ID the individuals that are responsible for opening the accounts, because when the consumer is aware and takes necessary measures to correct the fraud. Reporting agencies make it so hard for us to remove the wrong full actions when if they had a better system I wouldn't have to be going through this fraud. I am so tired off it all and I need help!!!!!!!
Consumer complaint received 2023-10-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (NY)

SELENE FINANCE MY MORTGAGE PROVIDER CHARGED AN ESCREW TO MY HOME LINE OF CREDIT.THIS ESCREW ALREADY BEEN ADDED TO MY ORIGINAL MORTGAGE FOR THE PROPERTY.THEY CHARGING ME TO PAY TWICE TAXES AND INSURANCE FOR THE SAME PROPERTY.I BEEN CALLING THEM MANY TIMES IN LAST XXXX MONTHES AND THEY ARE REFUSING TO REMOVE IT FROM THE HOME LINE OF CREDIT ACCOUNT.
Consumer complaint received 2019-05-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

I have been working with Ditech Mortgage company on doing a short sale of my home due to my hardship and XXXX. I was approved for my first loss mitigation application and when submitting the first contract to ditech they denied the sale contract and did not notify myself nor my realtors title company. We called numerous times through the first process and no one called nor emailed back. Here it is XX/XX/2019 and we have been working on a cash offer for the short sale of my home. Ditech tells me my application for loss mitigation is now out of time and I need to resubmit. Working hard the realtor, title company and myself to get all documents to them via fax, email and an overnight package. Calling Ditech everyday some days twice a day and speaking to different reps every time. We now get my home is set for foreclosure due to lack of information and there is nothing they can do. So I was not called nor emailed for any updates on my chart, nor did they submit anything we were sending to the underwriter. I have contacted the account executive of XXXX XXXX for Ditech and was told someone would contact me today XX/XX/2019. And again I have yet to get a call to complete the cash offer for the short sale of my property. Please help in my situation I am a divorced and now single parent raising XXXX  kids and can not believe the mortgage company has done this to me in my situation. I was told to file a bankruptcy and it will slow process so we can get the short sale completed when Ditech told me to release my bankruptcy they would approve me for a short sale because I tried to do a modification and couldnt afford it due to injury on my job and divorce. Again no one called nor gave updates on file packet.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (LA)

I have a closed account with XXXX XXXX that was closed in XX/XX/XXXX. The collection agency AFNI is reporting on my credit report that the Account was opened in XX/XX/XXXX. This is false information. This account was in collections before XX/XX/XXXX. I do not have an account with AFNI  and feel that if they are going to buy accounts that the correct dates should be reported. This needs to be removed because I do not even owe AFNI. 

These companies are reporting inaccurate information, which is in turn affecting my credit score which affects my way of living.
Consumer complaint received 2019-11-19
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. (CA)

I recently applied to a new apartment, and as part of their background. They pulled an address that does not belong to me. 

I recently pulled all 3 of my credit reports, and it is stating an address I never lived at.
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patenaude & Felix A Professional Corporation (CA)

LETTER1. 
DELIVERED ON XX/XX/2021 AT XXXX. 
USPS TRACKING NUMBER XXXX. 

HERE IS A COPY OF LETTER 1. 

XX/XX/2021 Patenaude & Felix , APC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX ISSUED AS XXXX XXXX, FILE NUMBER XXXX Dear Patenaude & Felix , APC, I am responding to your contact about collecting a debt. You contacted me by mail on XX/XX/2021 and identified the debt as XXXX ISSUED AS XXXX XXXX, FILE NUMBER XXXX. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX LETTER2 DELIVERED ON XX/XX/2021 at XXXX XXXX USPS TRACKING NUMBER XXXX. 

HERE IS A COPY OF LETTER 2. 

XX/XX/2021 PATENAUDE & FELIX , APC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX ISSUED AS XXXX XXXX, FILE NUMBER XXXX DEAR PATENAUDE & FELIX , APC, A LETTER WAS SENT TO YOUR COMPANY TO VALIDATE THE DEBT, BUT THERE HAS BEEN NO RESPONSE FOR OVER 30 DAYS. 

ENCLOSED IN THIS LETTER IS A COPY OF THE TRACKING SHOWING THE VALIDATION LETTER WAS DELIVERED ON XX/XX/2021 AT XXXX, AND A COPY OF THE FIRST LETTER SENT REQUESTING TO VALIDATE THE DEBT. 

THE DEBT IS UNVERIFIABLE BECAUSE YOUR COMPANY DID NOT RESPOND WITHIN 30 DAYS. 

PLEASE CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. 

I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY. 

THANK YOU. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I NEVER RECEIVED A VALIDATION OF THE DEBT UNTIL NOW.
Consumer complaint received 2021-06-22
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: JPMORGAN CHASE & CO. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the blocking and deletion of the following inquiries from my credit report, as I am a victim of a recent data breach. Under my rights pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these inquiries be removed to prevent any further unauthorized access or potential fraudulent activity. 
Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX - XX/XX/year>XXXX XXXX XXXX - XX/XX/year>
Consumer complaint received 2019-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

My Name is XXXX XXXX and I have been using XXXX ( XXXX XXXX ) for almost 4 years. I have my Chase bank debit card and account number linked to this app. I have never had any problems using this money transfer app. I send my roommate ( XXXX XXXX ) my portion of our house bill via XXXX XXXX every month. 
However, On XX/XX/2019 around XXXX, I tried transferring my portion of our bills ( {$380.00} ) to XXXX XXXX via XXXX XXXX. I opened my XXXX XXXX account, l went to recent activity, I selected XXXX XXXX name, which was on top my recent activity list, and I sent the money. He accepted it right away ; He replied with a thumb up. On the following day, while I was at work, my roommate, XXXX XXXX called me and asked for my portion of the bill. I told him that I had sent the money yesterday via XXXX XXXX, I told him that he even replied with a thumb up. He said, " let me check, I don't think I received any money or replied to you yesterday. After checking his XXXX XXXX account, he said to me that he did not receive the money. I opened my XXXX XXXX account and checked the transfer. I realized that there were two XXXX XXXX accounts. I knew right away that I was scammed because I have only been sending money to one XXXX  Account. I realized that someone created a fake account using my roommates information. The Scammer also appeared on my recent activity list, which I could not understand. I was confused and wondering how could his be possible. 
So, I contacted my bank, Chase Bank right after I got off the phone with my roommate and told them not make payment to the transfer. I explained to them the whole problem. The Fraud Specialist told me that they couldnt stop the payments or investigate the matter. I would have to contact XXXX XXXX and tell them to initial a dispute. 
I emailed XXXX XXXX ( XXXX XXXX ) and told them everything. They told me that they are XXXX XXXX is unable to initiate disputes with a customers bank on their behalf. 
After making several phones calls to Chase Fraud department and exchanged many messages with XXXX XXXX support group, both companies made it clear that they were not going to investigate my case. 
So, I did XXXX all weekend ( XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX ) to pay my portion of the bill. I made XXXX and I added other money that I had in my Chase account. I went to my XXXX XXXX   account, this time I was more careful, selected the right XXXX XXXX account, I transferred {$380.00} to his account. I was confident that this time he would get the money. Also, I had transferred {$20.00} to XXXX XXXX via XXXX XXXX on XX/XX/XXXX and it was successful. Unfortunately, the money went to the scammer. This was more confusing, because I selected the right account. I contacted Chase Fraud right away and XXXX XXXX. Both said they could not help. 
I lose a total of {$770.00} ( {$380.00} * 2 ). I will close both accounts as soon as I get my money back.
Consumer complaint received 2021-06-22
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: CITIBANK, N.A. (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-10-07
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. (TX)

Equifax didnt remove the five inquiries off my credit report and I send in documents 5 times and they would put them in dispute and it would get rejected within 40 days and I would put in dispute again and again and fax in documents and its costing me money and Equifax keeps rejecting it and promise they will remove these fraudulent inquires off my credit report and they are still there according to my Equifax.com and I also received a letter saying these inquiries were taking off but its a lie
Consumer complaint received 2023-01-09
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. (NJ)

XXXXTransunion credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX 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 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I was advised by a representative from Nationstar/Mr. Cooper to make my XX/XX/2020 payment and to not make any further payments until my refinance was complete. Please see attached letter. 

Nationstar/Mr. Cooper reported me late to the credit bureaus, which significantly lowered my credit score. Due to my low credit score, I was unable to complete my refinance.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FinCo Services Inc DBA Current (TX)

This week, I received a credit card from a company called " CURRENT '' ( https : //current.com/ ). My lines of credit are usually frozen, but this card was opened while we had a temporary lift on our lines of credit while going through a mortgage process. 

I have no idea who this company is or how they got my information. CURRENT has no phone number on their website, only the option to talk with them by submitting a request ( which I have done ) or downloading their app. Since I'm not familiar with this company, I will not be downloading an app. I submitted a request today requesting they tell me how they got my information and how the account was opened, to provide me with all data they have on me, and to remove that data and close the account. 

Overall, I'm still questioning if this company is a legitimate one as their company name makes it difficult to research anything about them online ( It's hard to get XXXX  results for things like " Current credit card scam '' etc ). And then to not have a phone number to call on their website also adds to that speculation.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2021-10-06
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. (CA)

im filing this complaint because XXXX and Equifax are not holding up their end when investigating the inaccuracies on MY CREDIT REPORT. the account that I am needing removal or adjustment to is XXXX XXXX from XX/XX/XXXX. I have verification that XXXX XXXX was paid In full on XX/XX/XXXX so that means that EQUIFAX AND XXXX have not done their proper procedures to make sure this account is reporting CORRECTLY!!! they are definitely willfully and noncompliant and I need this account removed immediately or adjusted to a positive TRADELINE as it is showing NEGATIVE!! I have submitted the CFPB COMPLAINT FROM XXXX XXXX VERIFYING that XXXX AND EQUIFAX are not doing proper investigations