davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (WI)

Ive been having fraudulent inquiries on my credit report, from XX/XX/XXXX to XX/XX/XXXX, about 90 hard inquiries are fraudulent from those two dates! I would need those removed!
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (SC)

I have had identity theft. I didn't find out until I was trying to get my stimulus check. That someone claimed me as a dependent and has a house and car in my name I don't have a Ginny account. I don't have a XXXX XXXX acct. Nor have I ever received any loans or credit cards.
Consumer complaint received 2023-01-04
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. (FL)

this credit report agency keeps reporting false accounts on my credit report. the account does not belong to me. i have asked to provide XXXX a copy of the original contract that shows my signature XXXX copy of payment history XXXX name and address of original creditor XXXX proof of collection authorization If they cant provide ALL XXXX of the above they are illegally furnishing false information on my credit report they need to remove it immediately
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I had paid my balance in full about XXXX weeks ago. All of a sudden, yesterday ( XX/XX/2023 ), {$100.00} was taken from my checking account by Bank of America. When I called, they agreed that there was no statement to pay and could not explain why the money was taken. I had cancelled an auto-payment for that amount yesterday, but the money was taken anyway. I was told that it would take up to 10 days to get my money back, despite the fact they took my money with no balance on the credit card to pay. I consider this theft.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX regarding account number XXXX XXXX in the amount {$260.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2023-01-03
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. (WA)

To whom this XXXX concern, In accordance with the fair credit Reporting Act XXXX  Account # XXXX, in the amount of XXXX 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 602 A. Section 2 : also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-01-03
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. (WA)

To whom this XXXX concern, In accordance with the fair credit Reporting Act XXXX  Account # XXXX, in the amount of XXXX 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 602 A. Section 2 : also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-10-03
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. (GA)

To Whom It XXXX Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly 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  These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within XXXX hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (AZ)

I divorced XXXX, sent all they requested several times. 6 years later they still will not change my name, I am done battling with them XXXX I discovered I was identity thefted since then I have disputed and sent documents and still have done nothing to correct my credit report. 4 years battling. They have ruined me. And I am homeless because if their incompetence.
Consumer complaint received 2023-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

On or about XXXX XXXX, I made a payment of {$430.00} to Toyota Financial Service for my auto loan. XXXX  to me, Toyota Financial changed my post date until XX/XX/XXXX without my permission. I received a call from Toyota Financial ALLEGING that I did not make my XX/XX/XXXX payment. I disputed the false allegations and told representative that I already made payment on or about XX/XX/XXXX. I tried calling Toyota Financial on XX/XX/XXXX, XXXX to correct THEIR mistake and I have been WAITING on the phone for over XXXX XXXX MINUTES and counting! I want Toyota Financial to correct THEIR mistake, not to be charged any lates fees, additional cost or accumulated interest because of THEIR error! I have NEVER requested to have my payments post dated and I have enough funds in my account to cover the transaction then and now.!
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (RI)

Chase was supposed to take my mother off as a registered user of my credit card, and not allow her back on. She then got back on with Chases help and racked up XXXX dollars in charges and now chase is utting me on the hook for purchases I never made, that were made fraudulently and without my permission. I saw no benefit of any of these transactions and now they want me to pay XXXX  of XXXX  of dollars including XXXX in debt my mother XXXX to my card without permission from me along with about XXXX in contractor payments. 

Chase is trying to stick me with a bill they caused through gross negligence and I have been having XXXX XXXX  ever since this started.
Consumer complaint received 2023-01-04
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. (OR)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SOUTHERN TRUST MORTGAGE LLC (VA)

I applied for a mortgage loan with Southern Trust Mortgage Co, with mortgage lender XXXX XXXX. I decided to rescind the loan, due to my agent XXXX XXXX and her Broker, XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX and the seller 's misrepresentation and breach. Each member of the mortgage closing team lender, XXXX and closing attorney, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and the seller, XXXX XXXXXXXX XXXX. seemed to be upset with my decision. 

The seller and agent decided to file a claim/suit for commission/escrow deposit XXXX The agent also proceeded to harrass me on several occasions, trying to coerce me into making the purchase. In order to file the civil claim, the seller and agent I believe had to some how obtain my personal contact, identification, drivers license information and banking information, without my permission, from the mortgage lender. On XX/XX/year>, I received a fraud alert that my non-public personal and financial information was compromised. 

Southern Trust Mortgage XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, Virginia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX
Consumer complaint received 2023-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

XX/XX/XXXX - Submitted dispute with XXXX and requested XXXX XXXX be placed on my credit report after noticing negative credit rating and never having received a bill/statement. 

XX/XX/XXXX - received collection agency statement from XXXX XXXX XXXX XXXX collection agency on behalf of XXXX XXXX in the amounts of {$480.00}, {$290.00}, and {$220.00}. Services were rendered in XXXX and XXXX, TX. I reside in XXXX XXXX, TX. 

XX/XX/XXXX - called XXXX XXXX and filed a dispute. They advised the Social Security XXXX associated with the debt was my SSN. XXXX XXXX requested I file a complaint with local police department and Federal Trade Commission to assist further with fraudulent account. I requested address where services were provided but was informed information can not be disclosed. 

XXXX informed me that the energy services were provided to me in XXXX and XXXX, TX. I have lived in XXXX XXXX, TX for the past 18 years. XXXX did notify me that they do not provide services to the XXXX XXXX area.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

This is concerning the Equifax breach. I submitted my information on equifaxsecurity2017.com to determine if I was affected. The system said I was and that I should enroll in the protection program. I entered my information as requested, and was told I would receive an email link in the coming days to finalize enrollment and activate my product. I received the link a day later. Each time I try to finalize my enrollment, I receive an error message that states : System Unavailable / We are unable to process your request at this time. Please try again soon.
I have deleted by browsing history and cache, in case it is a computer or browser issue, tried again on different days of the week and at different times of the day, in case there is high traffic - approximately 8 times - with the same result. I have also called the number on their website for personalized assistance ( the phone number has since been removed from this area of the website above ) and the person with whom I spoke said he could n't help me. 

Prior to reaching out to cfpb, I called Equifax to place a fraud alert at XXXX and was unable to speak with a human. Their phone tree went in a constant loop and eventually hung up on me when I pressed zero for a representative, after pressing other numbers to also reach a representative. 

So not only have they been breached and my personal information is affected, I can not freeze my accounts in the manner in which I was told, to protect myself from imposters. 

Thank you.
Consumer complaint received 2017-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Please consider this correspondence to be formal notice that our mutual client is hereby appealing and submitting a complaint regarding the previous denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
The denial letter that you provided indicates that your company failed to contact the investor for approval to complete a loan modification on the clients behalf. This is something that should have been available as an option. Please re-evaluate this borrower for all mandated and in-house loss mitigation options. In addition we request that you suspend foreclosure during this complaint in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).
Consumer complaint received 2017-04-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates, LLC has  been harassing me and my family since  XXXX   2014. Th eir employees went as far as to call out my social security number without even confirming if I was the actual person they were looking for. Even my bank account information was disclosed in certain phone calls. Several employees threatened me with coming to my place of employment and arresting me, if I did not pay the amount they demanded. Also, certain threats were about withholding money from my bank account and sending me to jail, not releasing me until the full amount they demanded was paid in full. From this ordeal, I have absolute no knowledge about what account they keep calling and threatening me about . One threat d id happen, that company put that unknown account on my credit report and now it has impacted  me credit score neg atively. I believe my information was sold or stolen somehow.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NY)

Dear Sir or Madam : Experian is requesting email addresses for a purported " FREE Dark Web Email Scan '' at XXXX : //www.experian.com/XXXX I understand they are also running TV commercials to advertise this service. This is blatant false advertising because it 's literally impossible to scan the dark web for an email address in any meaningful way. Presumably they could check a few sites which are known to them, but would never know where to find the others or how many they 're missing. They claim that this scan " gives you the knowledge you need to act '' but this is a false and deceptive assurance. 

In a since-deleted XXXX thread ( formerly at https : XXXX ), a user proves how deceptive this ad is. He knows that his information is on a particular dark web site, but the scan did not find it. Apparently the scan is pulling its data from https : //XXXX/ which is a free and public service by the XXXX individual XXXX XXXX. 

Please investigate this matter as soon as possible so that Experian does not have a chance to further victimize people who are trying to keep their information private. 

You may wish to note that I previously submitted the above as a complaint to the FTC, and they recommended that I submit this complaint to the CFPB as well. 

Thank you.
Consumer complaint received 2017-09-29
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Malcolm S. Gerald and Associates, Inc. (CO)

I have not been notified properly via certified mail and am willing to pay the full amount today but would like for the account to be deleted off of my credit report due to the fact I would like to have a clean slate with the university.
Consumer complaint received 2017-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

We refinanced with freedom mortgage XXXX 2017 due to being behind on our taxes by 2 quarters.  After signing all of the closing papers with all of the correct information,  6 months go by and they send us a mortgage statement with an increased payment by $XXXX. Which was $XXXX to $XXXX. And they also increased our escrow payment by $XXXX. Which was $XXXX to $XXXX. Our tax office said that freedom mortgage never did a proper tax search. I have every document possible to back my side that I will be faxing.
Consumer complaint received 2017-09-28
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. (ND)

Since the massive Equifax data breach, information is showing on my XXXX XXXX, Equifax and XXXX credit report that don't belong to me. The following account, collection account and hard inquiries are fraudulent and unauthorized: XXXX, $XXXX, XX/XX/XXXX, Equifax XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, $XXXX, XX/XX/XXXX
Consumer complaint received 2017-09-29
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: Experian Information Solutions Inc. (TX)

Tried contacting the credit collection agency, they never responded. I tried contacting Experian and XXXX and they still will not correct this error on my credit reports.
Consumer complaint received 2017-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I am still having a problem with the servicer of my mortgage loan, Select Portfolio Servicing. I filed  a complaint against them a couple of months ago because they were not working with me and refused to conduct a review of my current financial circumstances to determine if my family qualified for modification help. After I filed the complaint they conducted a review, but they recently sent a letter saying we did not fill out one form, the XXXX properly so the review is cancelled and we are denied and now we are going to sell your house. They have set a sale date for XXXX XXXX. We have appealed the denial and dont understand why the failure to complete one form properly means we are kicked out of review and told we have to start over. It is unconscionable and it is an example of how SPS treats their customers and their unethical foreclosure practices.
This is a predatory high interest ( 8.6 % ) adjustable rate loan. I have been trying to negotiate a modification or restructured loan for quite some t
ime and thought that SPS was finally going to work with us until we received this letter. We are back on our feet ; my fiance lives with me and is working and my son who lives with us is also gainfully employed. We submitted all of our paperwork several months ago with the expectation that there would be a review of our financial information. But nothing happened until we filed complaints and got our Congressman involved. SPS acted like this was a priority and then sent us a letter that our application had been denied because we did not properly complete the XXXX form. I sent in a written appeal and the form but they have not reactivated our review and have set a foreclosure sale date for XXXX XXXX. This is outrageous.
Consumer complaint received 2017-09-28
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)

In the years XXXX there were four cases in which I attempted to file for bankruptcy. The cases were all dismissed. I was having trouble with my husband and property we had together in which it financially draining to me. During that time we attempted to file, but never had the proper paperwork to get it started. It never went to court, a case was never filed. Nothing. Since XXXX I have attempted to write XXXX and have them investigate and have this deleted off my records. After reading the FCRA I found that they were in violation, because they were reporting something inaccurately. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they had no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they were obligated to delete this information from my credit report and send me an updated copy when this action is completed. 

I wrote them and made them aware of this information and they blatantly ignored my request. I even provided them documentation that the bankruptcies were dismissed. Again, nothing. They were kind enough to send me a new copy of my report that stated that they would be keeping the bankruptcies on my report. 

I am filing a complaint because they are going against my rights as a consumer.