davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-17
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. (MA)

XXXX XXXX XXXX ( XXXX ) has incorrect information on my credit report and it is affecting everything. I have tried for 1 year 6 months to correct this problem. I have spoke with at least 15 XXXX  XXXX XXXX employees and they each tell me they 're going to help but to date nothing. The local branch in XXXX, MA stated to me I was correct and never had a line of credit with them. They have no paperwork. My father, whose name is same, except he is XXXX did have a line of credit. They ( XXXX ) stated they would have it come off my credit report. It has been 1 1/2 years later and still no help. I recently tried to get a loan and because of this incorrect and wrong credit reporting by XXXX XXXX XXXXXXXX, I can not get a loan. This is RUINING my credit. They state I had a line of credit with them and I never had a line of credit with them. My father ( who has same name ) did have one with them. I had a loan from XXXX XXXX XXXX for my camper and it was paid on time and in full to XXXX XXXX XXXX. I have written letters, I have done everything ( XXXX ) has asked me to do still no results. It started back in XXXX, 2016 I went to get a personal loan and it came up I had a line of credit with them and defaulted by bankruptcy. Neither of which happened with my me and my credit. This problem on my credit report is ruining my life and they have promised to help and all I get is a big run around are not helping me at all. The local branch said they would help and give them 30-60 days to have it removed, but here we are over a year later and it is still on my report. I am at the point where I will have to hire someone to help me and it will cost me more money to straighten this mess out. BOA has been no help and as of today 's date, it is still on my credit report. Any help is greatly appreciated.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. I GOT A POLICE REPORT AND SENT IT TO EQUIFX SEVERAL TIMES BUT THEY REFUSE TO REMOVE THE FRAUD ACCOUNT AND ADDRESS. IT HAS BEEN MONTHS THAT I HAVE BEEN ARGUING WITH THEM TO TAKE CARE IF THE FRAUD INFORMATION ON MY CREDIT REPORTAND BY FCRA 805B THEY ARE OBLIGATED TO BLOCK/REMOVE ACCOUNTS/INFORMATION IF IT IS PROVIDED WITH A VALID POLICE REPORT WITHIN 4 BUSINESS DAYS. I DO NOT KNOW WHY EQUIFAX IS NOT REMOVING THE FRAUD ACCOUNT AND ADDRESS THAT IS IDENTITY THEFT.
Consumer complaint received 2019-08-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: U.S. BANCORP (FL)

I have no acknowledge of this account and I was a victim of Identity theft. Please take this off my record this really getting ridiculous. I have tried to reach out to the this company numerous of times no ANS
Consumer complaint received 2017-08-17
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. (MA)

XXXX XXXX XXXX ( XXXX ) has incorrect information on my credit report and it is affecting everything. I have tried for 1 year 6 months to correct this problem. I have spoke with at least 15 XXXX  XXXX XXXX employees and they each tell me they 're going to help but to date nothing. The local branch in XXXX, MA stated to me I was correct and never had a line of credit with them. They have no paperwork. My father, whose name is same, except he is XXXX did have a line of credit. They ( XXXX ) stated they would have it come off my credit report. It has been 1 1/2 years later and still no help. I recently tried to get a loan and because of this incorrect and wrong credit reporting by XXXX XXXX XXXXXXXX, I can not get a loan. This is RUINING my credit. They state I had a line of credit with them and I never had a line of credit with them. My father ( who has same name ) did have one with them. I had a loan from XXXX XXXX XXXX for my camper and it was paid on time and in full to XXXX XXXX XXXX. I have written letters, I have done everything ( XXXX ) has asked me to do still no results. It started back in XXXX, 2016 I went to get a personal loan and it came up I had a line of credit with them and defaulted by bankruptcy. Neither of which happened with my me and my credit. This problem on my credit report is ruining my life and they have promised to help and all I get is a big run around are not helping me at all. The local branch said they would help and give them 30-60 days to have it removed, but here we are over a year later and it is still on my report. I am at the point where I will have to hire someone to help me and it will cost me more money to straighten this mess out. BOA has been no help and as of today 's date, it is still on my credit report. Any help is greatly appreciated.
Consumer complaint received 2017-08-17
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. (FL)

I submitted a reinvestigation dispute for 2 accts that are still showing on my Experian credit report XXXX and XXXX XXXX XXXX I spoke with supervisors at both those companies and they agreed to delete these 2 accts from all 3 reporting agencies they 've been deleted from both XXXX and XXXX  already as promised but Experian fails to take them off
Consumer complaint received 2024-10-21
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. (GA)

This text discusses the rights of consumers under the Fair Credit Reporting Act ( FCRA ) and related privacy laws. It asserts that consumer reporting agencies like Equifax and XXXX must handle consumer information fairly and with respect for privacy. The author emphasizes their right to prevent these agencies from sharing personal information without consent, as outlined in various sections of the U.S. Code. They argue that neither agency has their permission to share their data and that they have revoked any prior consent. The author claims that these agencies have not informed them about their rights to nondisclosure and have reported adverse information unlawfully. They also highlight that these agencies are not maintaining adequate procedures to protect consumer information and formally declare their decision to opt out of their reporting services.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have contacted XXXX directly, as well as, XXXX, Equifax, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2024-11-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A. (NV)

I applied for a personal loan and was sent a denial letter stating XXXX is reporting a bankruptcy in my credit file. I contacted XXXX and they told me there is NO bankruptcy in my credit file. I called Citi back numerous times and spent hours on the phone with no solution. XXXX has confirmed there is no bankruptcy and has sent me my credit report and it does not show a bankruptcy.
Consumer complaint received 2019-08-18
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: CITIBANK, N.A. (TX)

My credit report shows an account with MACY'S/DSNB opened on XX/XX/2006. I contacted Macy's to see if I ever had an account with them or if they had any information regarding this debt with a reported balance of $XXXX. Macy's informed me that they did not have any information on file registered with my name or social security number. I then contacted the credit company, and I asked them to provide me with more information regarding this debt. I was told that there was no information on their side other than the principal and amount due. In XX/XX/2006, when this charge account was open, I was XXXX  years old. It would have been impossible for me to open a credit card. I explained this to the creditor, and I was told there was nothing they could do, other than try to collect the amount. This Macy's credit is one that appears on XXXX report.
Consumer complaint received 2021-04-05
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)

Hello I have provided the credit bureau with all of the information they needed. They still have not updated my report. I sent in letters in the mail for months and when I spoke to them they told me that they received my information and to wait a couple of days for my report to reflect the items removed. I have been waiting and calling and it has been over 50 days. I am trying to get this done it is very important to me and I have already sent in what was needed. These things need to be removed. XXXX XXXX XXXX Account XXXX, XXXX  XXXX  Account XXXX, XXXX  XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX OF WO Account XXXX, OFFICE OF THE ATTY GEN XXXX, CHILD SUPPORT ENFORCEM Account XXXX, and XXXX XXXX/FLORIDA MOR. My name is XXXX XXXX XXXX. This is the only way my name should appear on my credit file.
Consumer complaint received 2021-04-05
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. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2017-08-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc. (MN)

In XX/XX/XXXX Diversified Adjustment Services received a letter from me requesting that they cease all telephone communication with me. On XX/XX/XXXX, Diversified Adjustment Services contacted me via telephone. I informed the collector on the phone that I had requested in XXXX that they cease all telephone communication with me. She told me they have no records of an account from XXXX. I called back asking to speak with their compliance department regarding the issue on XX/XX/XXXX. I spoke with an XXXX who told me that they do not have a compliance department, then transferred me to her co-worker 's voicemail when I asked to speak to who 's in charge. I called back and spoke with a XXXX XXXX who told me that previous request to cease contact via telephone do not count for different accounts. Diversified Adjustment Services has violated the FDCPA by contacting me via telephone and providing me with misleading information. In addition, Diversified Adjustment Services does not keep accurate records of past collection accounts and correspondence with people they 've attempted to collect debts from. I DO NOT feel comfortable with them having any of my personal information. I have provided a copy of the letter Diversified Adjustment Services send me in XXXX, the letters I sent them, and copies of the return receipts they signed.
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation (MD)

PHH mortgage knowingly and willfully closed on a loan involving the wrong amount of money and owes me {$2000.00}. At the time they closed on the loan they knew their numbers were wrong and failed to correct them and reimburse me the correct amount of money. Thus I believe this also constitutes criminal financial fraud.
Consumer complaint received 2021-07-15
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: CITIBANK, N.A. (FL)

Hello, I am having issues with fraudulent activity with my credit. I believe that someone with tried to run my credit with four different companies. The companies are Citi Bank, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I have contacted these companies and they do not have anything on their records indicating that my credit was ran and informed me that there is nothing they can do about it. Citi bank was the only company that said they will send an email to Equifax stating that I did not give them permission to run my credit but Equifax says they never received anything.
Consumer complaint received 2021-06-30
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: Mr. Cooper Group Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-15
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: DISCOVER BANK (NY)

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER BANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: COMMERCE BANK (MO)

On XX/XX/19, on the Commerce Bank website, I ordered a stop payment on check # XXXX. The webpage did not say there would be a {$30.00} charge for it, and I assumed that it was free. I then found that my account had been charged a {$30.00} fee for the stop payment. 

The fee should have been disclosed on the web page where I went to order it. If I had known there was any fee, I never would have purchased the stop payment.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (OK)

I never received the remaining balance of $XXXX on my PNC checking account ending in XXXX  when I closed it. I closed the account on XX/XX/2019, and PNC told me I would receive a check with that balance within 10 business days. Never received it. Contacted PNC by phone several times, and useless. Really frustrated with this issue, and spent quite amount of time with them. I never thought such a large bank like PNC wants to steal customer's money.I have to contact CFPB to get my money back. The case number PNC gave me for this issue is XXXX.
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NC)

Hello : In XX/XX/XXXXI purchased my residence, a new home that cost {$210000.00}, with a down payment of {$70000.00} that was required at closing by XXXX XXXX. The payments were around {$1100.00} a month after paying the monthly payment with {$100.00} extra towards the principal they lowered my payments to around {$1000.00} by the year XXXX. In XXXX I became XXXX unable to work contacted XXXX XXXX  immediately. Advised them of the situation, they said they could help with a modification. We began working on the Making Home Affordable Loan. After working on the loan, I was told I was appoved. I just had to make 3 payments of the amount which I did. They accepted the payments, but Foreclosed on me sold the house to themselves broke in changed the locks. At the time I was working with Legal Aid who contacted XXXX XXXX who after checking the payments that were accepted told XXXX XXXX to let us move back in. Which we did, and we were told that the sale would be rescended. XXXX told Legal Aid and myself that it would take some time for the lawyers to rescend the sale and they would get back to us. The next month I make the payment they send it back and tell us they are n't accepting any payments. I wait some time, cotact the lawyer we force them to put the house back in my name after rescending, with a good faith promise for a modification. After months of paperwork they forclose on us. Legal Aid advises of filing bancruptcy which I do. In bancruptcy XXXX sells the account to Green Tree which approves me for a modification in XXXX every payment is being paid. Green Tree hands us to Ditech LLC which is XXXX, but our payments are still being maid. The bancruptcy ends in XXXX of XX/XX/XXXXbut payments are still being paid no problems. XX/XX/XXXX my phone rings XXXX XXXX says you owe Ditech {$44000.00} how do plan to pay. I ask her how do I owe Ditech that money she says you have n't paid what I owe and my modification was never approved. I tell her I was told that thew bancruptcy paid {$29000.00} to XXXX XXXX, Green Tree and Ditech on top of us making our payments. She says I will look into it, on XX/XX/XXXX I receive 3 letters from Ditech that say that contact us for your past Due amount of XXXX. I have the bancrupty payments the Ditech mail delivered and the approval from Gree Tree. Also the first time I hear about past due amount is 3 weeks before selling my home on XX/XX/XXXX.
Consumer complaint received 2017-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I deposit cash into my Wells Fargo Debit card account to purchase 2 airline tickets authorized on XXXX XXXX, 2017. $ XXXX/ticket totaling {$1900.00}. I fly and return home. I observe the posting in my debit card account and receive email confirmation and all went well at airport. XXXX XXXX, 2017, I see Wells Fargo post 2 new {$980.00} transactions and for the first time in my account history, my debit card balance goes negative. I disputed with the fraud department but because Wells Fargo says the passenger tickets match my passenger names, they wo n't remove the charges.
Consumer complaint received 2017-08-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

1.capital one settled but said they waived more than amount that was they said {$3200.00} but {$270.00} was waived account account was closed in XX/XX/XXXXan still have a balance saying over 1500 days past due paid the XXXX on XX/XX/XXXX an reporting negatively on my account
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

This fraudulent XXXX XXXX  account was removed from my credit in in XXXX, months after it was reported in XXXX of XXXX. As a result of identity theft, XXXX and XXXX XXXX ( third party collection agency at the time ) confirmed the account was fraudulent and deleted the account from my credit reports. 
In XXXX of XXXX XXXX sent this same account into collections again and IC SYSTEMS ( a current third party collection agency ) has reported this to my credit once again. Negatively impacting my scores with fraudulent information, XXXX and IC SYSTEMS continue to attempt to collect debt on this fraudulent account. This is against the law. If this is not resolved immediately I will be seeking legal remedies
Consumer complaint received 2017-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IL)

Customer service for Coinbase will not reply to my inquiries. This is happening to thousands of people worldwide. I have thousands of dollars in my account, and ca n't access it until customer service responds to me. They have more or less locked up my account until they get to my issue.