davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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 2021-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (GA)

I wrote to the credit bureaus requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: eToro USA LLC (NC)

On XXXX2020 I funded an account with Etoro cryptocurrency exchange. 

After funding the account, I purchased {$4000.00} of tokens. 

I have been trying to transfer my purchased tokens to Etoro 's wallet and the company will not allow the transfer. 

There is supposed to be a 7 day hold period, but the company has not removed the block to this date which is over 35 days.
Consumer complaint received 2021-09-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

For the past several months XXXX XXXX XXXX ( XXXX ) has been reporting my mortage balance incorrectly. I purchased the home for {$260000.00} XX/XX/XXXX. My loan was placed on a forbearance then approved deferment in XX/XX/XXXX for the months of XX/XX/XXXX to XX/XX/XXXX. XXXX is reporting that the original loan amount is for {$280000.00} to all 3 credit agencies. Also they are reporting that my current principal balance is {$260000.00} both of which is more than the purchase price of the home. Also on thier website it shows my balance as {$250000.00} however reporting that i owe more. 

I called an attempted to dispute this, spoke to several employees and finally escalated to a supervisor Mrs XXXX on XX/XX/XXXX for over an hour. She advised she was going to follow up with no later than XX/XX/XXXX. She could not rectify why my loan is inaccurately reporting. Where my payment from XX/XX/XXXX to XX/XX/XXXX of {$1500.00} ( total : {$23000.00} ) were applied and why the balance is more than the orginal loan amount. 

My expectation once my deferment was approved was that all the payment would be tacked to the end of the loan, not added as additional money owed. thats charging twice. 

I followed up with XXXX when I did not receive my callback and the agent and new supervisor stated they are unable to locate Mrs . XXXX Employee Id : XXXX. 

I have already submitted a dispute with the credit agencies ; however this company has negatively impacted my credit and takes no responsibility of ownness to rectify the situation. 

I am looking for immediate resolution and financial compensated for the negative impact to my credit report
Consumer complaint received 2021-01-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I called XXXX XXXX to remove my consumer dispute on XXXX on XX/XX/XXXX. It was done immediately and reflected on my consumer copy of my credit report. 
I called XXXX  on XX/XX/XXXX to remove my consumer dispute. It was done while I was on the phone with XXXX  and reflected in my consumer copy of my credit report. 
I have called Equifax on XX/XX/XXXX ( 3 times XXXX, XX/XX/XXXX ( 4 times ), XX/XX/XXXX ( 2 times ), XX/XX/XXXX ( 4 times ), XX/XX/XXXX ( 3 times ) and again today XX/XX/XXXX ( now on hold on my 3rd attempt ) to get my consumer dispute removed from my credit report. Every single time I call into Equifax I am given inaccurate information and told something different every single time I call in. I have also been hung up on numerous times by Equifax including supervisors hanging up on me. I was on the phone with them for over 2 hours this morning again trying to get my consumer dispute remark removed from my credit file. This does NOT take 30 days to correct as it is a dispute that I put on there. Anytime a consumer calls to remove personal information or correct it that is done immediately. Just as it was done when I put this request in to XXXX  and XXXX XXXX. It was done immediately. 
I was going to file this complaint with the XXXX  but going to their XXXX  page there are over 3,000 complaints about these very things I am filing my complaint with you about. 
I am XXXX and I am trying to get a refinance done on my house. In order to do my refinance I need my credit report to be accurate. However, Equifax is making this near impossible and every single time I call I am told wrong information. 
When I finally talked to XXXX a different supervisor on XX/XX/XXXX he got it removed personally and told me if it wasnt showing on my consumer report with Equifax to call him on Tuesday and let him know. That is the over XXXX hour phone call I had with them this morning and was hung up on by a different supervisor. These people are INCREDIBLY rude and lie all the time about the consumer 's reports. I am fed up and they are making it impossible for me to get a refinance done because of their shady business dealings and lying to the consumer.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (CA)

I have a 30 yrs loan with 5 yreas fix then as of XX/XX/XXXX was changing to adjustable rate with rate much higher like 5.5 %. Therefore I applied on XX/XX/XXXX for loan modification. That time my XXXX was XXXX & I was plan to either modifying my loan because fed rate was 2 %. I filed for modification filed application & provided all requested documents to my lender Mr. COOPER. I was calling lender every month & they said we are processing. Then after 5 months I had to hire a modification company & pay them {$1200.00} every month and ask them to help me for my modification. That company provided all documents to lender and call them every week too. But lender took 14 months to denied my modification without any reasons but they told me our policy is not to modify loan but we can put you for forberance plan. I was very upset, because as of XX/XX/XXXX the lender raised my interest rate to 5.5 % & my monthly payment from {$3900.00} jumped to double {$6500.00}. Again I called them every month & informed them because I have XXXX XXXX & XXXX XXXX I am in XXXX I wanted to modify or refinancing my loan to be able to pay my morgage in full but they ignored me, then as of XX/XX/XXXX I have to pay them {$3500.00} per month which I did every month paying them half payment. In meanwhile the company that helping me for modification & I call lender for result of modification but instead they were accepting my partial payment & telling us we are processing loan documents but the same time lender also reported to credit bureau for delinquency & not paying the payments & charging me late fees. 
It took 14 months to give me the modification result but the same time asking all kind of fees. When I complained to Escalating dept. Customer Service Dept. Collection Dept. But all managers told me we apologize, we are sorry we made mistakes but I asked them then correcting my credit report which my XXXX now is XXXX & I can not asking refinancing or to any other bank applying any loan because every body don't even look at my documents & the first thing they said your XXXX is very low & you have deliquents & late mortgage payments. 
Also from XX/XX/XXXX till XX/XX/XXXX, I paid them every month {$3500.00} instead {$6400.00} but they reported to Credit bureau I owed them {$90000.00} plus all fees. 
They are crook and they jipt & robbing me & the same time causing me so much cost for paying to another company for helping me for that modification. I am a disable & senior. They are abusing me with this mortgage & not modifying my loan on time. Lender could tell me in 30 or 60 days they don't want to modify my loan then I had enough time to refinancing or not paying that much to a third company for helping me.
Consumer complaint received 2018-04-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Diversified Consultants, Inc. (NC)

XXXX XXXX XXXX has sent my internet bill to a company called XXXX XXXX I told them.when I get the extra money I will pay the bill I'm paying other credit card debt right now I have told this company this several times. 2weeks ago this company called my supervisor work phone. When I asked the person on the phone how they got her number he said XXXX XXXX XXXX proivde it to them. I'm confused because I wasn't working for this company when I had my XXXX XXXX XXXX service that is volition of my right
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (TN)

I've tried to order my LexisNexis report for three months now without success. I've contacted the company directly and they tell me they could not find a file for me with the information I gave. I'm attaching a state-issued photo ID and social security card to this complaint. There is no reason LexisNexis can not issue my reports now.
Consumer complaint received 2020-11-18
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: CITIBANK, N.A. (MA)

Hi Sears ; Credit Bureaus ... ..I 've disputed this account before with both the creditor and credit agencies ( XXXX XXXX  and XXXX  XXXX and it's impossible that this charge off account was ever investigated because the account status was never updated and there are 3 different dates of last active, dates of last payments, inconsistent payment history, 3 different dates of open, and inconsistent high balance and 3 different account numbers and name, etc. Please DELETE this account for Inaccuracy because there are different dates of last activities : ( Date Last Active : XXXX ; XXXX  : XX/XX/XXXX & XXXX : XX/XX/XXXX XXXX. You cant report different dates and years of activities like this! Its imperative that this be accurate because it determines when the account naturally falls off. And its also re-aging the account prior to me disputing it. This is a violation. Please DELETE immediately from my credit report. 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2018-04-30
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. (GA)

I recently checked my credit score and I saw several accounts and addresses that are not mine. I will list all the accounts and addresses from each credit bureau below : XXXX : Account Name : XXXX   XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX  : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name:01 XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name:08 XXXX XXXX 201 Account # : ,XXXX Date Open :XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  fraudulent accounts : Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX  : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX  Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX, GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Transunion fraudulent accounts ; Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX  : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent Transunion address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TN)

On XX/XX/XXXX my epic impact stimulus check was deposited into my cash app account in the amount of {$600.00}. On XX/XX/XXXX someone withdrew the {$600.00}. From my cash app at XXXX XXXX  took the whole amount had a MasterCard downloaded on the account that I suppose they put the money on so they could withdraw it from a teller it was not my card also they have used a XXXX card on the account and made several small transactions .Now weeks before this I noticed some suspicious activity on my smart phone someone had gotten access into my phone and was trying to get into my XXXX XXXX account which is my XXXX so I shut down my cards all of them ordered new ones and contacted XXXX XXXX , cash app, XXXX XXXX XXXX, and XXXX  XXXX  , after I done that I knew my stimulus money was going to be deposited into my cash app account so I tried getting back into my cash app account so that I could be sure it didn't get stolen and I had bought a new phone with a new number because whoever done this had complete control over my phone now I traded in my old phone for a new one I had no access to the old phone whatsoever therefore when I tried to get into my cash app they wouldn't let me in because they couldn't verify it was me I explained my situation to them in detail and that I needed into that account before someone else got my money through an email because cash app has no direct customer service phone only email this went in for several days and after my money was stolen they finally let me have access to my account but it was too late the money was gone. They couldn't let me the owner of the account have access but they let some thief in my account to steal my money that is not right I needed that money I'm on a fixed income that money was important to me and now they sent me an email saying they were closing my case and nothing has been resolved.
Consumer complaint received 2021-05-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (NJ)

I contacted Synchrony Bank by mail to request not to be contacted by any phone calls and only by mail on on XX/XX/2021. I have a signature verification from the post office that Synchrony Bank received my message/letters on XX/XX/2021. I sent/mailed evidence stating the numerous violations that the company has been perpetrated against me as the consumer, as well. I re-sent the cease and desist asking Synchrony Bank to not call my phone number again and to only contact me by mail with my request stated in my letters, I again have signed verification from the post office on XX/XX/2021 that Synchrony Bank received my letters.The company, Synchrony Bank has not granted my request, even after I noted and confirmed the obvious violations presented in my affidavits. I filed a complaint with the CFPB Case XXXX and Synchrony Bank stated that they would grant my wish about not contacting me by telephone on XX/XX/2021, but I am still receiving calls from Synchrony Bank twice everyday. The number that Synchrony Bank is calling from is XXXX XXXX XXXX XXXX. I am very stressed out about this situation as this harassment has affected my health in a negative manner. 

Please read thru the accompanying documents, letters, affidavits and invoices. 
I seek remedy due to this situation as I noted in the attached invoices. 

Sincerely the consumer, XXXX XXXX
Consumer complaint received 2020-11-18
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$230.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2020-11-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NV)

On XX/XX/2020 is when we went onto the forbearance and we are currently in it. They will not defer the payments because it is a VA back loan, and the VA will not defer VA loans. Loan care has just been sending trails of letter stating that I am still under deferment and if I want to stay under deferment let them know. As of XX/XX/2020 I was able to talk with a live rep at this company who stated they could only send me more letters and they do not have a phone number to contact them however, one of the letters were sent stating I have a rep officer who will be handling my claim from here the number and email were never answered of this make believe individual.