davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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. (GA)

To whom is reading this. I am writing this because I am being told by XXXX and XXXX that somehow I am not a real person who's writing to them and all this nonsense. I tried calling all 3 credit bureaus and could not get anyone on the phone to speak to. I sent in my ID and social security card along with a fraud report and was told Im a liar and its not me. I don't know what these crazy people want me do to prove its me. I am the victim of identity theft and someone stealing my information and now I'm being treated like the criminal and its not fair at all. I don't know who stole my information and for all I know it can be the same companies asking me to keep sending them my information. These companies should have already received my paperwork that it was fraudulently opened and I don't know how in the world they would expect me to pay on something that was not mine. If I have to, then I will just also report this to the better business bureau and also the Attorney General for help with this issue. I already see that these 3 companies are being sued almost every day for their fraudulent business practices themselves. I would just like for this fraudulent information to be investigated and taken off my report because its not mine. these companies wrote me letters saying they sending it to the company to investigate if its mine or not and my question is, how in the heck are they going to know if its mine? nor do they even care to spend the money and investigate my issues. They just want me to be a XXXXXXXX XXXX XXXX and pay the money for any fraudulent account that shows up. So their investigation will not be in my best interest anyway. Please do the right thing and remove theses fraudulent accounts from my report, because having to hire a lawyer to get it off and then sue is just a waste of my time and their time and money. Thank you for listening and my apologies for my rant, but this is just ridiculous I documented a fraudulent report and then then tell me I'm lying, its very unacceptable.
Consumer complaint received 2023-02-21
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-21
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. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-02-21
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. (CT)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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 XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2021-06-23
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. (CA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2022-09-24
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NJ)

On Monday XXXX, 2023 I received a letter from Chase Bank to verify if it was me who apply for a Chase Sapphire Visa Signature account with my name and social security. I did not apply for a account with them and/or with any other bank. I called the number from the letter ( XXXX ) and reported this application as a fraud. The bank representative said they were canceling the application. The application reference number is XXXX.
Consumer complaint received 2023-02-21
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. (MO)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NM)

We have asked Mr Cooper since XXXX of last year to provide information to sell ( property has insufficient collateral for the amount asked prior ) and to refinance my house, mr cooper  has declined to collaborate with the courts and with the title companies and with the contracts pending. 
We are asking for verbatim from underwriting " Good afternoon, XXXX, Just wanted to provide a quick update - Underwriter has reviewed your file and is requiring the following additional items : XXXX ) Title shows a current XXXX on the property with Nationstar Mortgage. We need a copy of the most recent, full, mortgage statement in order to obtain a mortgage payoff demanD statement and a XXXX of Mortgage request - or - have Nationstar mortgage send to us directly ''. 
Please provide that documentation to the mortgage company and us  asap. It seems that the attorney that speaks for Nationstar is conveniently delaying the process so that he can cash the equity of the senior and all her livelihood in social security exempt funds that the bank already got. 

We need to settle this once and for all because it is causing emotional econmical and other harm to an innocent purchaser of value. 
Here is the address of the " department '' we spoke for misapplication of the payments that XXXX XXXX sent and got cashed by Mr Cooper  and they hold the cash but not applied to the XXXX debt of XXXX. Apparently there is another second loan statrted in XXXX with non owners and people who are not in equity in this property that gave rise to a wrongful foreclosure. 
We need to settle and move on. 
Here is the department we spoke with Nationstar Mortgage LLC Its Successors and/or Assigns ( XXXX ) XXXX XXXX XXXX XXXX, OH XXXX We have been on equity title since XXXX. Over 14 years and the debt was not paid since XXXX. Teh debt was created without our knowledge and consent on the peroperty but we want to settle and move on. Your attorney pursuit the wrong person for this debt
Consumer complaint received 2023-02-20
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. (PA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C1681 section A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-05-19
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 is failing to review and/or research any of my dispute letters. I have attached three ( 3 ) recent letters sent to Equifax and it appears as though these letters have never been investigated. I have not received any communication from Equifax regarding the status of my dispute letters. It is very disappointing that Equifax is not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from Equifax still continue to appear on my credit report. Pursuant to the F.C.R.A. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

I respectfully request that the ( 3 ) letters I have attached be reviewed by Equifax.
Consumer complaint received 2020-05-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OPORTUN FINANCIAL CORPORATION (CA)

As of around XX/XX/2020 l have been trying to contact Opportun and XXXX XXXX has been declining my calls. 
Opportun has been threatening me to sue me and collect from my XXXX Retirement Pension income in which this is a violation of my XXXX XXXX XXXX XXXX XXXX under Department of Justice. 

I have respectfully requested a Amicably resolution and remedy of making timely payments to Opportun each month on the second for {$50.00} until debt of around {$4600.00} is paid. 
Opportun refuses to accept my payments and Opportun Managements rather report derogatory remarks on my credit report with XXXX, XXXX and XXXX and have a collection company harrass me all the time by phone calls. 

I have a Permanent Financial Hardship and my family is going through a difficult financial hardship through loss of employment and the Coronavirus Pandemic issues. 
This is a Discrimination and Retaliation against me as a US XXXX XXXX Military Veteran. 

Either with Respect Opportun Administration accepts the {$50.00} @ month payment or discharged the debt of around {$4600.00} with high interest of 200 %.
Consumer complaint received 2023-02-13
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. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-13
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. (PA)

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (MA)

Dear WAYPOINT RESOURCE GROUP ; XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-07-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (VA)

The payment on my Credit acceptance loan is too expensive the intrest rate is XXXX percent. I have tried to refinance but got denied. I need help lowering the payment or resolution to pay it off. The transmission just went out i called XXXX and they denied to help me. Please help I'm drowning in debt and it is causing me XXXX and XXXX this is also preventing me from getting approved for a home loan. Also CREDITACPT XXXX XXXX with account # XXXX opened on XX/XX/2019 and a balance of {$12000.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

My phone got stolen with my banks cards In it and whoever stole my phone was transferring my money off my XXXX into my bank account and taking the money off. When I filed a dispute with my bank, they said it was nothing they can do they don't see anything fraud on my account so I can't get my money remeburised.
Consumer complaint received 2022-07-07
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. (MO)

under 15 us code 1681b permissable purpose of consumer reports I never gave transunion, XXXX and XXXX  any written consent to report anything to my consumer reports, so because I did not consent that means that is fraud. 

under 15 us code 1681a ( 2 ) ( B ) talks about exclusions from a consumer report any transaction supposed to be excluded from a consumer credit report. if a credit card which is social security was used in the transaction. the accounts listed below are all in violation of of both of these FCRA laws which i have tried resolving with the consumer reporting agencies and nothing has been done after multiple attempts. Because the violations are costing me a depressive life due to bureaus not following laws they should be held liable and repsonisble for fixing it. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received an email from someone named XXXX XXXX on XXXX : the email claimed to have been sent from a bank of America " resolution XXXX ''. The email stated that bank of America had received my CFPB complaint aand it instructed me to call a number, because they needed to verify that I submitted the complaint to the CFPB. The email said BANK OF AMERICA COULD HELP me resolve the claim, but I needed to speak to them via phone first. 

I called the number and extension on the email multiplee times on XXXX and left multiple voicemails. I even called the BOA customer service number and none of the representatives were able to connect me with XXXX XXXX or another resolution XXXX regarding the email sent to me. ***I will attach screenshots of SOME OF the times. I called XXXX XXXX, BOA, AND SCREENSHOTS OF ME TRYING TO CONTACT XXXX XXXX VIA XXXX. 

XXXX XXXX NEVER RESPONDED BACK TO ME. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- - I received a similar email from another resolution XXXX claiming to be from BOA on XXXX REGARDING MY NEEW CFPB COMPLAINT. I called his number and I left him multiple voicemails today. 

It seems to be that boa has the resolution XXXX  send me emails regarding my CFPB complaints and in the emails they send me it clearly states they need to speak to me via phone in order for them to assist me with my CFPB complaint. So far they have a pattern. A pattern to give a phone number and extension to call and they don't. Answer or respond to my voicemails. 

Since they don't make voice contact with me they don't help me with my CFPB claiim
Consumer complaint received 2022-07-07
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-05-19
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 ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my payment history which clearly shows that I have never missed a payment. I had submitted one ( 1 ) payment and due to a system glitch with XXXX, the payment did not post until the next morning. This payment was made was well within the time frame allowed to not be considered a late payment. XXXX is showing this as a ( 30 ) day late on this account. This false reporting of a late is seriously harming my credit score and this line item needs to be updated and the late payment be deleted all together. I have contacted the bureaus to fix this error however, I have not been successful.