davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
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. (GA)

There are accounts that are reporting fraudulently to my credit file and the credit bureaus continue to give me the run around and won't remove these fraud accounts. I have been going back and forth for months with XXXX, XXXX, and Experian about the following accounts. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Which all are accounts that I have never had any associations with. I have reached out to each bureau about these fraud errors and they asked me to send in docs to verify myself and I did. I also filed a police report because I am a fraud/ Identity theft victim. I have sent the police report in along with ftc affidavits and proof of residence an identity to proof that None of those fraud accounts match me. I have called an been on the phone with each bureau for hours just to be told that they will be removed and then I get a notice that they are still reporting. XXXX and Experian wont accept my fraud dispute and keep saying they feel I have filed fraud dispute by mistake and that they will let the creditors make the decision and the creditors have been no help to me. they won't give me proof of how they are verifying me. Something needs to be done immediately to remove these fraud accounts from my file. I have submitted everything to prove that I am an identity theft victim and the law should protect me and my rights. 

Police Report Number # XXXX
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX NOT XXXX. I HAVE PAID FOR XXXX TO GET REMOVED. IVE SENT IN DOCUMENTS AND THEY ARE SENDING THE WRONG NAME TO MY CREDIT AGENCIES. IVE SENT THEM MY SOCIAL STATING CORRECT NAME AND SENT IN COURT DOCUMENTS AND STILL THEY ARE SENDING MY INFO WITHOUT MY PERMISSION AND REFUSES TO CHANGE AND REMOVE XXXX. THEY REFUSE TO LOOK AT MY DOCUMENTS AND KEEPING A FRAUD LAST NAME IS ILLEGAL AND SENDING MY INFORMATION TO OTHER CREDITORS UNDER A FALSE NAME IS ILLEGAL. IM SENDING MY ACCURATE DOCUMENTS 1 LAST TIME HERE. THEY REFUSE TO REMOVE XXXX
Consumer complaint received 2021-04-20
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)

There are accounts that are reporting fraudulently to my credit file and the credit bureaus continue to give me the run around and won't remove these fraud accounts. I have been going back and forth for months with XXXX, Transunion, and XXXX about the following accounts. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Which all are accounts that I have never had any associations with. I have reached out to each bureau about these fraud errors and they asked me to send in docs to verify myself and I did. I also filed a police report because I am a fraud/ Identity theft victim. I have sent the police report in along with ftc affidavits and proof of residence an identity to proof that None of those fraud accounts match me. I have called an been on the phone with each bureau for hours just to be told that they will be removed and then I get a notice that they are still reporting. Transunion and XXXX wont accept my fraud dispute and keep saying they feel I have filed fraud dispute by mistake and that they will let the creditors make the decision and the creditors have been no help to me. they won't give me proof of how they are verifying me. Something needs to be done immediately to remove these fraud accounts from my file. I have submitted everything to prove that I am an identity theft victim and the law should protect me and my rights. 

Police Report Number # XXXX
Consumer complaint received 2021-04-20
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: Great American Finance Co (IL)

I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results
Consumer complaint received 2021-04-20
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: Bridgecrest Acceptance Corporation (FL)

I never signed any contracts with bridgecrest nor have I ever heard of, met with any representative of bridgecrest. Bridgecrest needs to produce the original contract that I allegedly signed with them and show verified proof of something of value given to me by bridgecrest within 72 hours or I will litigate this matter. Bridgecrest even reported to the credit bureaus that theres a contract between them and I ; such act is fraudulent. I am now being injured and harm has come due to the fraudulent acts of bridgecrest.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (TX)

I received a call from a debt collector, UNIFIN, regarding a debt from the year XXXX. This account was paid off in XXXX via a third party. Unfortunately, I don't have this record from 15 years ago. I contacted the original creditor, XXXX/XXXX  and they have no record of this account. 

In XXXX, I was being harassed by XXXX XXXX XXXX and mistakenly made a payment of {$20.00} out of distress. This account is over XXXX years old and was settled over 15 years ago. 

Amount : {$1500.00}
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, I was pending the credit for account ending on XXXX for {$16000.00}, same issue that happened with the purchased for the card ending in XXXX which was resolved and I received the credit. After I called I was transferred to the dispute department, which was not the correct department, because the dispute department was not handling the fraud purchases, after explaining the situation to the representative she said that she was taking away the credit for the {$16000.00} on credit card ending on XXXX, this credit was given to me by the Fraud department. I was very surprise that this representative did not know anything about the matter that was revolved by the fraud department, so I asked for the supervisor, which immediately said that they were giving me the credit back and closed the case. Later I learned that was not the case, she did not give me the credit. Since it was late, I called the Fraud department and told them what had happened the night before, and the representative said to call the dispute department and tell them to close anything they had opened regarding the fraud charges, he also said that since the credit was given to me already that he was going to honor that and close the case. The representative also said that the claim department and fraud department are not connected, one department does not know what the other is doing and they have this happen in regular basis. I waited few days and the credit was never given back to me for the {$16000.00} on card ending on XXXX, and also the representative never re-opened the case for the {$16000.00} for the card ending on XXXX. I am very frustrated with Bank of America and their employees, I have been dealing with this for ten month and something that was resolved and should be resolved long ago is a completely mess now. Bank of America representatives are so unprofessional and have not knowledge of their business, these people are put there to answer the phone without any proper training. Their representatives are misleading, altering and changing the information provided to avoid doing the work.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This company XXXX XXXX XXXX and reporting a debt to my credit report. Below is the information pertaining to this account : Collection opened XX/XX/2021 Account number XXXX Balance {$1200.00}
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A. (TX)

I had a XXXX XXXX XXXX card that was opened XX/XX/XXXX. I never made a single payment towards the card and after months of nonpayment the card was closed. It was then sold to collections and XXXX XXXX picked it up. They harassed myself and other family members about the debt until the debt continued to grow so old that it became less and less. XXXX continues to report that the DoFD is anywhere from XXXX to XXXX depending on each report. I have requested full validation under Texas Finance Code Section 392.202 with zero response. I have disputed with all XXXX credit bureaus multiple times and each time the debt comes back validated. It is now past the XXXX year mark when this debt should fall off and no longer be reported and yet I can not get it removed. I have requested statements from Citibank with very little luck since the account is so old. The XXXX is unable to find the account in their system and the one time they were able to they directed me to XXXX since it had been sold. I either want this debt validated with proof that even XXXX payment was made as they are claiming or I want it removed and I have had zero help from the CRAs with having this line removed from their reports.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC (CA)

I, XXXX XXXX has never owned an account with XXXX XXXX. The account on my consumer report on EarlyWarningSolutions states I had an account with XXXX, it has my name on it with no personal details correlating with my personal details. I believe this is a computer error or personally not my own account. The account number is XXXX.
Consumer complaint received 2021-04-20
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. (CA)

Dear XXXX XXXX, On XX/XX/XXXX, I wrote to Equifax, XXXX XXXXXXXX, XXXX XXXX  XXXX to dispute the multiple hard pulls on my credit report while shopping for the best rate for a VA refinance of my home mortgage. These inquiries are required to be reported as a single inquiry. On XX/XX/XXXX, I received an unsigned response from Equifax, in triplicate, stating in capital letters : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Confirmation # XXXX Equifax suggested that I " XXXX contact the Consumer Financial Protection Bureau or ( my ) State Attorney General 's office about ( my ) issue ''. 

I shall send a certified letter, return receipt requested, to XXXX XXXX, our new California Attorney General as of XX/XX/XXXX, tomorrow. 

When should I expect a response from XXXX XXXX or CFPB staff? 

XXXX XXXX service-connected XXXX XXXX
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

Hello, PayPal recently closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have submitted complaints before regarding my mortgage with Select Portfolio Servicing the loan servicer on my mortgage loan I have been disputing the claimed balance from SPS on my mortgage loan since XXXX when SPS bought the loan servicing rights on my loan. 

During the pandemic, SPS offered me a Forbearance plan from XXXX, XXXX to XX/XX/XXXX During that time, I was not required to make mortgage payments. 
However from XXXX, XXXX to XXXX, XXXX I made mortgage payments according to schedule. 
I received a letter from SPS dated XX/XX/XXXX claiming the amount of {$100000.00} to reinstate my loan and the letter stated that my loan is in foreclosure status. 
I replied to their letter and I submitted a claim to CFPB regarding this letter. 
The truth is that SPS is legally liable for bank errors made by previous loan servicers on my mortgage account i e XXXX and XXXX Bank. 
Bank errors were made on my mortgage account on two previous loan modifications SPS requested bank documents to prove this fact of which I sent them bank statements to substantiate and other documents. 
Please see enclosed letter written to my relationship manager wherein I am claiming {$38000.00} for payments not credited and excessive escrow charges and administrative fees. 
As I have stated, SPS has stopped accepting my payments since XXXX, XXXX As stated above I made payments from XX/XX/XXXX through XXXX, XXXX which SPS accepted. 
According to the XX/XX/XXXX letter that I received, a copy of which is enclosed, SPS is demanding a reinstatement payment of {$110000.00} to halt foreclosure proceedings against my property. As I stated above, SPS has not accepted any mortgage payment from me since XX/XX/XXXX and this increases their claimed arrearage on my mortgage account. 
I feel SPS is deliberately taking this action to proceed with a foreclosure against my property once the government and state laws against foreclosure are removed such as California law XXXX and federal laws pertaining to protect borrowers against foreclosure. 
I feel this is the only reason why SPS would not continue to accept my payments. 
I have written to them and I have spoke with the Ombudsman Department to allow me to make a payment that I can afford to bring down the arrearage on the loan and that SPS should credit my mortgage account with a settled credit toward the bank errors that were made on my account previously. 
Please see a copy of the XXXX Detailed Transaction History and my letter of XX/XX/XXXX. XXXX which carefully details my disputes on the XXXX Detailed Transaction History. 
and the payments that were not credited to my account. 
I am a senior citizen almost XXXX years old and my house is my only asset and I can not afford to lose the equity in my property.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (TX)

Loan  # XXXX. I'm currently on a forbearance plan until XX/XX/XXXX and I've been on one since XX/XX/XXXX of last year due to Covid. I filed applied for a forbearance plan with LoanCare and per the terms of the plan if my loan was current prior to entering the forbearance that's how it would be reported. Until XX/XX/XXXX XXXX was reporting my correctly to the credit bureaus then suddenly after selling my loan they reported me late and closed my account. This needs to be corrected ASAP! My loan was current before and according to the plan so why am I being reported late now when it was being reported Pay as agreed until now..
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

For over three weeks I have tried to have Equifax remove dispute comments from two accounts on my file. They tell me they are going to take care of it and they would send me an email in 24-72 hours and the comments would be removed. I have waited several days and would not receive any email confirmation. These two accounts on my file I am no longer disputing and would like the comments removed. Every time I call I receive different information from the agents
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am not reliable for this debt with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I do not have a contract with these collection agency. They did not provide me with the original contract as requested. I demand this account be removed from my credit report.
Consumer complaint received 2021-04-19
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: AMERICAN HONDA FINANCE CORP (CA)

I AM A VICTOM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THE CREDITOR NUMEROUS TIMES, SPECIALLY NOW WITH THE CURRENT COVID 19 SITUATION ITS VERY HARD TO REACH ANYBODY. BUT BOTH ACCOUNTS HAVE BEEN OPENED FRAUDULENTLY AND THEY DON'T BELONG TO ME.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (CO)

It all started when my wife a XXXX XXXX  contracted XXXX and was quarantine in our home for 3 half weeks and off work for two more until she was XXXX XXXX for 10 days. I had perfect payment history and credit other than medical bills up until then. She had to file for workman 's comp and she wasn't receiving pay checks from her Work because she wasn't working and had no pto they where paying workman 's comp but it took a month half to get her first pay. that was ridiculous as well. When I told first bankcard there reply was that's not there fault she has XXXX and I'd have to pay the two months of late fees and the two minimum payments of 300 so it was 600 plus the two 50 dollar late fees so 700 dollars when we hadn't even made a payment for 50 days to anyone. We barley had money to even eat. So we had to pay the house so we would not freeze and the power was a necessity just the house and power was XXXX month. But I told them I wanted to apply for there covid relief program and when I gave them my bills they said my wife don't make enough to get the help XXXX is that we don't make enough to get help that's ridiculous. My debt to them went from XXXX to almost XXXX they have put close to 4 grand in late fees penilties so on They should be ashamed for targeting people in need of their understanding and they are making money from it. I was sickened by this and I might add that my other two cards through XXXX XXXX they dropped my payment to XXXX dollars a month from XXXX and dropped interest rate from 19 % to 1 % and said take as long as you need just pay the 61 now that's a true caring company. I have ruined credit now can't refinance my house because of this and am harassed up to 10 times a day from the company. It's sad and I hope something can be done because I am sure I'm one of thousands there making money off of in this time of need and pandemic. 
Thanks for your time and help .... XXXX
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

I received an email stating that Im no longer able to use paypal or its services. They put my money on hold for 180 days for reasons they could not explain and that I have to wait 180 days. Ive used this service for many years and this is the first time Ive ever had to experience this all because my significant other sent me money that they owed me. They completely blocked my account and Im unable to even transfer my money to my bank. I have not violated any of their agreement terms so Im not understanding why I am no longer able to access my account.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

I'm absolutely LIVID!!!!!! I have contacted ALLY several times in regards to this situation where they're reporting a prepaid lease that closed in 2015 as delinquent and open. I have spent literally hours on the phone to rectify situation. ALLY needs to be held accountable for this duress placed on my family. The prepaid lease was paid in full and turned in and enclosed is letter from ALLY releasing me from all obligations. What they're doing is willful and reckless. I have consulted an attorney about litigation. Enclosed is snapshot of libelous information and letter received from ALLY indicating released from all obligations.
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Jennifer McCoy, PC (TN)

THE LAW OFFICE OF JENNIFER MCCOY, P.C. 
XXXX XXXX XXXX # XXXX XXXX TN XXXX DATE : XX/XX/2018 AMOUNT IN QUESTION : {$1600.00} WRITTEN A CERTIFIED LETTER AND SENT TO COMPANY TO CORRECT THE MATTER IMMEDIATELY. COMPANY DID NOT PROVIDE SUPPORTING DOCUMENTS, AND IS IN VIOLATION OF ANTITRUST LAWS. 

COMPANY REPORTED AN INACCURATE COLLECTION ON CREDIT REPORT.
Consumer complaint received 2021-04-20
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. (NY)

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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