davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

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 account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00}
Consumer complaint received 2023-09-23
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. (NY)

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. this is my 2nd attempt to dispute all item. ive had alot of issues that needs to get resolved. none of the data listed is legal to be listed on my credit report. please review an remove the requested items asap.
Consumer complaint received 2024-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I sent a letter to Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX  requesting validation of the debt in XXXX XXXX XXXX that they claim that I owe which is {$1100.00}. 

Purchase Agreement Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person they are trying to collect from. 

Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the original creditor. 

The obligation between them and me that allows them to collect on the alleged debt and any transactions between their company that binds me to an agreement to pay their company any money that they claim I owe. 

Proof of phot identification ( i.e., drivers license, state identification card, or other government issued identification card ) that was presented to them at the time of incurring this debt. 

XXXX XXXX did not send me the validation I requested. The company sent me documents that they typed up with blank pages.
Consumer complaint received 2024-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CO)

I was a part of the XXXXXXXX XXXX XXXXXXXX case. I received a lump sum credit of {$77000.00} yet I still owe {$77000.00}. I have asked for a detailed account of how the credit was applied and was told they could not provide that. 

Also from XXXX I would receive a email stating if I wanted my account to go into forbearance as I was having a finically difficult time making payments. I was never offered any other option than that. Or a {$39000.00} loan is over {$70000.00}??? Why? Navient cant more like wont explain why no other options we provided to me. 

I also still have a borrowers defense case pending and they are calling me 4-8 times a day asking for payment. I have had late fees owed supposedly for over 3 years. Was that from the loans that are discharged??? Id so why do I have a late fee? 

I get absolutely no help from customer service as they always tell me to contact department of education. Can you help??
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

On Thursday morning XX/XX/year> I received a text message stating my new Experian Smart Money checking account was opened. Problem # 1 - I did not request a new Experian Smart Money checking account to be opened. 

I immediately went to the Experian website & attempted to log in with my known credentials. Problem # 2 - Experian no longer recognized my password and the password recovery process did not recognize my phone number. 

I called Experian and was eventually able to answer enough security questions to validate my identity. The Experian customer service representative told me that the password, email, phone number, PIN, and personal security question associated with my profile had been changed. This was a fraudulent edit. They helped me recover my password, PIN, and personal security question, but the email and phone number associated with my account were still those of the fraudster. I had to call back 3 days later before Experian could edit the email and phone number back to my own. When I called back, it took 5 call transfers to find the right person to help me! 

That Thursday I also spoke to someone with Experian 's Smart Money team. They identified the fraudulent account and it has since been closed. 

My complaint- despite many transfers and many requests, no one at Experian can explain how they, a credit bureau, home of so much sensitive personal information, managed to hand over control of my account to a fraudster, managed to edit the security question, PIN, and security contact email and phone number on my account without my consent, or how they managed to allow a fraudster to open a new banking account in my name. This was an incredible breach of privacy and security.
Consumer complaint received 2021-09-15
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: Paypal Holdings, Inc (NY)

I requested PayPal to dispute a charged that I have not received for amount {$590.00} im asking PayPal Mastercard to credit amount back for {$590.00} which i have not received card # XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681, XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX ; Account XXXX XXXX XXXX XXXX XXXX XXXX  ; Account XXXX XXXX XXXX, Has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed several items are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And, according to 15 USC 1681 ( 5 ) they are suppose to do this with treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ), if any information disputed by a consumer, and any item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 
( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And, according to 15 USC 1681 ss-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America marked in account as charged off in XXXX but does not have accurate payment history for years XXXX. 
Bank of America reported the account late in XX/XX/XXXX, did not report any data on XX/XX/XXXX and no further data on the account for the remaining in XXXX XXXX. Bank of America marked the account charged off XX/XX/XXXX. 
Please remove this for inaccuracy.
Consumer complaint received 2017-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of Lancaster County, Inc. (PA)

I have previously demanded that your company provide contract with my authentic signature that started this alleged debt.. You have failed to do so. Please take notice that your inaction is detrimental to me and is in violation of various laws, including, but not limited to, the Consumer Credit Protection Act ( CCPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

As you are aware, your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. You inaction makes it apparent that you have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed by your dissemination of information that is inaccurate or which can not be validated. Specifically, you have communicated and are continuing to communicate incorrect and defamatory information to third parties, including, but not limited to, Credit Reporting Agencies.. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this tradeline from my credit reports ( Credit Reporting Agencies ).
Consumer complaint received 2023-09-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (AR)

Calvary SPV has been garnishing my bank account every 2 wks since XXXX. That debt defaulted in XXXX, a judgement was dated XXXX. The judge ordered a dismissal on that case in XXXX, but they continue to this day taking withholdings from my bank account in the amount of {$21.00} every two weeks. XXXXXXXX XXXX XXXXXXXX XXXX XXXX  hired them to collect, but then XXXXXXXX XXXX XXXXXXXX sent me a copy of the Order of Dismissal that they sent to the judge for signature. Cavalry intends to continue taking withholdings until the year XXXX as shown to me by a female Customer Accounts official at XXXXXXXX XXXX 

I called Cavalry to inquire about the garnishment in light of the dismissal order, and the agency tried to resurrect the debt, by sending me a debt validation letter. The letter said since I asked for validation they have a right to start collection efforts. I DID NOT ask for validation, I made inquiry as to why the garnishment was there. This was in XXXX. I sent the dismissal to the courts, to XXXXXXXX XXXX XXXX, and to Cavalry, but nobody responded. I've called all 3 places and XXXXXXXX XXXX, and I can't get anybody to give me straight answers. Both XXXX XXXX XXXXXXXX XXXX Cavalry denies garnishing my account at this time but the court clerk and XXXX  acknowledge the Garnishment. When I asked the clerk who is garnishing my wages she said XXXXXXXX XXXX XXXXXXXX and Cavalry SPV. 

There are two cases, but one has been paid in full to XXXXXXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX MO.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my SEVERAL 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XX/XX/2023
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2017-12-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (TN)

This is not the first time RoundPoint has taken service of this " loan. '' RoundPoint first took service of this loan on XX/XX/XXXX. RoundPoint, the current servicer, undertook the loan on XX/XX/XXXX. This loan continues to bounce around due to the servicers ' negligence to file the proper documentation with XXXX XXXX. agencies, specifically, the tax accessor 's office and property clerk 's office. 

Formally, I demand all qualifying correspondence between XXXX XXXX XXXX and RoundPoint to be made in writing to the mailing address provided herein. Only a certified letter sent by me to RoundPoint will reverse this demand. I am making clear my desire to have my mailing address and phone number updated with RoundPoint in writing, because an employee of RoundPoint failed to do so during a phone call made by the employee and subsequently received by me on XX/XX/XXXX at XXXX, which lasted 4 minutes and 52 seconds : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX ( cell ) Transfer of Service And History of " Loan '' XXXX - XXXX took service of mortgage XX/XX/XXXX? -XX/XX/XXXX - Transferred to XXXX i. Issued XXXX Cancellation of Debt XX/XX/XXXX ii. XXXX filed on XX/XX/XXXX IRS Tax Forms on XX/XX/XXXX iii. Letter sent XX/XX/XXXX informing me the property taxes were paid by XXXX on XX/XX/XXXX. Sent by XXXX XXXX. Revenue Collections Department. ( XXXX ) XXXX. 

XX/XX/XXXX - Transferred to RoundPoint i. Agreement to Deed in Lieu of Foreclosure never sent for recording XX/XX/XXXX - Transferred to XXXX XX/XX/XXXX - Transferred to RoundPoint XX/XX/XXXX- 2 Phone Calls made to RoundPoint, established : Loan Number is : XXXX ( call on XX/XX/XXXX at XXXX ). 
Correct mailing address was given during phone call on XX/XX/XXXX from XXXX. Wasnt updated in the system. Updated mailing address during call to XXXX on XX/XX/XXXX at XXXX. 
Requested welcome letter. Never received one due to negligence and failure of RoundPoint to update address during phone call made by RoundPoint on XX/XX/XXXX. 

As seen in the timeline, XXXX issued a XXXX " Cancellation of Debt '' for the entire amount on the lien. This XXXX was filed on my XX/XX/XXXX IRS Taxes on XX/XX/XXXX. 

XXXX XXXX. shows the property titled in my name and without any lien ; I own the property free and clear of any lien. Given that XXXX, at the behest of XXXX XXXX XXXX, issued a XXXX cancelling out all debt associated with the loan, proper documentation must be filed with XXXX XXXX. agencies properly titling the property to XXXX XXXX XXXX. 

Otherwise, stop and discontinue further collections attempts and provide me the title to the property located at XXXX XXXX XXXX XXXX, TN XXXX.
Consumer complaint received 2024-09-25
Product: Credit 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: GOLDMAN SACHS BANK USA (SC)

Apple Card by Goldman sacs. I have submitted disputes with this card company about amounts that were not refunded to me when the merchant received their returned items. I have provided information showing that I returned the items to the merchant and information showing that the merchant owes me a refund. They reversed the dispute in the merchants favor by saying I have not provided enough evidence but have not described to me what evidence was not sufficient and keep reopening the dispute with the same outcome and no information is provided
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 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 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I kindly request that the CFPB investigate these matters and ensure that the inaccurate information is corrected or removed from my credit report. 

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I appreciate your prompt attention to this matter. 

" SEE ATTACHED FILES '' Thank you for your assistance.
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year> I made a transaction through XXXX for {$2000.00}, but it turns out I saved the wrong person 's number, but I didn't notice it since Chase doesn't tell me the name of the person the money is going to, it just tells me the name of the person as I saved it. 

Please check the Bank 's response and check the name of the person. 

That's not the person 's name, it's just the name I saved in my phone and that's the reason I didn't notice and Chase did not fix the problem. 

If I try to send money right now and I put the wrong person 's number, the Chase app won't let me know who I sent the money to.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (AL)

I inquired as to why my account was frozen. I was provided two separate reasons. One reason provided was that I deposited a check made out to someone else. This is not factual. I deposited a check made out to myself and only myself. SoFi went as far as to ask for the name and contact information for the person who wrote the check, which I refused to give. This made no sense. The next day I was given the reason as another individual put money into my account from their account. I was told this was against the rules. It is not, per their website. I spoke to multiple people in their security department. All of which asked about the relationship to this person and one even, again, asked for the contact information. Today, I have been hung up on four times trying to clear up this restriction. There is {$700.00} in the account that SoFi is refusing access to. They are holding my money hostage. I feel as though its a scam at this point. I have never seen or heard of anything like it. I went so far as to receive a link to confirm my identity from SoFi. Once I received it, I was hung up on again. I am going to be late on bills if this money isnt able to be accessed.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.