davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-01
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. (MS)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

On or around XX/XX/2021 It came to my attention that my Penn Credit Corporation a debt collector that I had never heard of, had added negative Items to my consumer reports. I was a little confused because I had never communicated with Penn Credit Corporation nor had I had done business with them. This is an attack on my right to Privacy as Penn Credit Corporation has my ( Non Public ) personal Information that I did not give to them nor did I give them permission to have. In addition they have committed Identity theft as they have used my ( Non public ) personal Information that they are wrongfully in possession of to access and place negative items on my consumer reports without my consent. This has harmed my reputation ( Violation of the FDCPA ) as defined by Congress in the FCRA and I demand that Penn Credit Corporation fix this immediately. I do not want to have to to sue Penn Credit Corporation in federal court but I will If we can not get this resolved in a timely matter. Penn Credit Corporation may call me to facilitate resolution and for no other purpose.
Consumer complaint received 2021-06-02
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

OnXX/XX/XXXX, our XXXX XXXX XXXX was in an accident and later deemed to be a total loss. At the time of the accident, we had completed all required lease payments, on time, and were intending to buy out our lease. After the vehicle was deemed a total loss, our insurance company took over resolving the pay off for the value of the vehicle. 

On XX/XX/XXXXToyota Financial Services issued us the attached letter, indicating in the second to last bullet that should anything additional be owed, beyond the insurance settlement, we would be sent a bill and given 30 days to pay. This was the last communication we received from XXXX and according to verification by two phone representatives at Toyota Financial Services on XX/XX/XXXX, nothing further was mailed to us. 

At no time were we provided the statement of balance, nor given 30 days to make payment, should there have been a balance. On XX/XX/XXXX, I received notice from a credit monitoring company that the account was marked as closed, charged off, bad debt, and transferred to a collection agency. Upon contacting TFS, I was informed this was true, that the debt was transferred to a collection agency. 

We subsequently received information from now three different collection agencies and have provided the notification and our responses below. None of the first two collection agencies ever responded to our notification we provided back in writing. 

In XX/XX/XXXX, my husband contacted the XXXX XXXX XXXX  and filed a complaint. In speaking with a representative from Toyota, he was told that there was nothing that could be done and that a letter had been sent back on XX/XX/XXXX. We received a copy of that letter in the mail recently. At no time during any of the communication with Toyota or any of the creditors, prior to XX/XX/XXXX, had we received this letter. It was not published to our account nor had we received it in the mail in XX/XX/XXXX. 

From the start of our lease on XX/XX/XXXX, we never missed a payment or paid late.
Consumer complaint received 2021-06-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF THE WEST (FL)

I have a horse trailer loan with Bank of the West. I have been trying to change my address with then for 3 years. It is impossible to speak to an agent. I sat on hold yesterday for 3 hours.

The hold message mentioned that I could do a change of address on line. I went through the process to set up an online account only to find out that my loan does not qualify.

I continued to hold for 3 hours. 

I am trying to sell my trailer but I need to get the address changed so that the lien release comes to me and not to my old address. 

I am concerned that the payoff won't be handles properly since the change of address is so difficult for them.
Consumer complaint received 2021-06-02
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. (CA)

On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Underwood James and Associates LLC (TX)

On XX/XX/2020, at approximately XXXX hours, I, was dispatched to Texas in reference to a Fraud Call for Service. 

Upon arrival, I made contact with the reportee, identified who stated an unknown person had taken money from him by using deception. 

PROSECUTION IS DESIRED stated he met a female on XXXX identified as " XXXX XXXX '' in XXXX XXXX stated this female told him she was in the military and they began to text ( over the XXXX XXXX XXXX ) and started a romantic relationship. stated eventually XXXX XXXX told him she was going to send him a suitcase full of money. stated XXXX XXXX sent the suitcase from overseas. stated he was told that the suitcase was stuck in customs, and he needed to send money to get the suitcase. 
stated he made fifteen to eighteen wire transfers to various accounts with differing addresses. stated he sent over {$90000.00} to these accounts. 
stated XXXX XXXX is now not answering his text messages, and he believes he was scammed. 
stated he would retain all documents and screenshots in reference to this case. 

Crime Scene Search : Audio : No Photos : No Video : No Scene Summary : The residence located at Texas. It is located in the unincorporated
Consumer complaint received 2021-05-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I reviewed a current copy of my credit report and show inaccruate information listed. Account name U S DEPT OF EDXXXX Account number XXXX is showing listed as a chargeoff and reporting an open balance in the amount of {$11000.00} which and open balance I understand due to chargeoff is a direct violation of FDCPA XXXX I have dispute this acocunt on a number times with no reply and it has been over 60 days which is a violation of FCRA.
Consumer complaint received 2021-05-21
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. (CA)

XXXX, Equifax and XXXX are reporting 26 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to EquifaxXXXX XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-02
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. (PA)

These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX XXXX -- XXXX  XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX Inquiry : XXXX XXXX, 2020
Consumer complaint received 2021-05-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I review a current copy of my credit report and I show inaccruate account information listed. Account Name XXXX Account number XXXX is listed as a charge off account and this account has been paid as agree and XXXX  advised this account will be deleted and still has not deleted this account due to successful payment. Please delete this account.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX I used cashier 's check from Chase bank For XXXX XXXX that Arizona gentlemen did not Cash that day. I went back to XXXX Chase bank to cancel {$2000.00} check ( my name is XXXX XXXX ). 
I got my $ $ $ put back into my account then six days later Arizona guy cashed check & Chase bank looks at me like I'm on XXXX XXXX. Motorhome has no engine no door. Owner broke his promise about moving motorhome to fix it cause he never showed up.Meanwhile I purchased a XXXX later on oil mixed with water which someone intentionally did.Since Engine was fine from gecko it ran on get and everything. XXXX XXXX XXXX in XXXX XXXXXXXX CA XXXX I believe is behind lots my fraud that's going on my account. They enjoy popping fireworks everytime I show up see my blood son. 
Always trying intimidate me
Consumer complaint received 2021-06-02
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. (CA)

There are 10 accounts on my credit report that are not mine these are not my accounts they don't belong to me I have not applied or used these accounts. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I met spoke with a sales person from XXXX on XXXX XX/XX/2021 to obtain a quote for Solar panel installation. At no point was it discussed that I required a loan as I intend to purchase outright. When the sales person asked to confirm my social security number I questioned him on why that was needed. I advised I did not want any loans or any enquiries made on my file. He assured me it was for an identity check and to ensure I own the property. 

I was alerted by Experian on XXXX XX/XX/2021 about 2 new credit enquiries. 
- XXXX XXXX XXXX - XXXX XXXX XXXX I spoke with the sales person immediately. He advised that he wasnt sure why his team had done that and assure me he didnt request any loans for me. Ive spoken with XXXX XXXX more times in the past 2 weeks but Im still yet to get a response other than were looking into it. 

On XXXX, I spoke to Experian and placed a fraud block on my account. They advised that someone would call me to discuss the enquiries but Im yet to receive a call. 

I attempted to call the numbers provided by Experian for the 2 companies responsible and they went to an IVR that didnt allow me to get to an operator. 

I found the numbers online for XXXX XXXX  who operate the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX program and they confirmed that XXXX had submitted loan requests on my behalf. I requested that this be investigated and reversed as I had not requested any loan or authorized my credit report to be shared with any lender. The operator said they would investigate the issue and get back to me. I did not get a return call so I called them again a week later and I was advised that my account was noted with the information but it hasnt been dealt with yet. I requested that it be escalated but as of today I still have not received any update or return call.
Consumer complaint received 2021-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NJ)

The below Debt Collection is Fraud and it is not my account. I contacted MRS Associates and this debt is not belong to me. 

MRS ASSOCIATES has flagged your account as Collections on XX/XX/2021. 

Source : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2021 Balance : {$440.00}
Consumer complaint received 2021-05-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I review current copy of my credit report and show inaccruate information. I sent dispute with no reply and show it has been more than 60 days. Account name XXXX XXXX XXXX  Account number XXXX. Is show as a chargeoff account with an open balance reporting in the amount of {$2500.00}. I understand this is a direct viloation of FDCPA and that no chargeoff can report a balance and it must show as {$0.00}.
Consumer complaint received 2021-06-01
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AMA Advisors, LLC. (NJ)

I went into forbearance during the beginning of Covid and was told my account wouldn't receive a negative to credit reporting. I was told me, due to covid I was placed under forbearance, and Homebridge told me my account would not be reported negatively to the credit while in forbearance ; they reported me late, negatively impacting my credit score ; they then apologized and sent me a letter stating that they removed the negative reporting. I also paid them about {$15000.00} during my forbearance, which they told me. I also directed them to send my payments to cover my mortgage ; I went into my XXXX and took out all of my money and paid them so that my house did not go into foreclosure. They never paid the money to my mortgage payments. They couldn't find any payments I made for weeks at a time, The money was also to cover the beginning of my forbearance, so I should have never been reported as a negative account. They later told me they had my money in a suspension account and never paid any of the money I sent to pay my mortgage ; instead, they paid my taxes. 
They told me I still owed them about {$10000.00} more to pay toward my mortgage principal and interest, or I can stay in forbearance, which I obviously did not want to do ; I was paying them money sometimes {$6000.00} at a time entire pandemic. I extended my forbearance, and I had no money to pay them. My XXXX was wiped clean. I stopped paying any money after telling me I needed to extend my forbearance or pay an extra {$10000.00}. I had no money. They sold my application to another mortgage company after I extended the forbearance with them. I have no way to contact them now because my account number ceases to exist, and I can't ask for the letter that stated they fixed my credit report to reflect I was never late on a payment to have it removed. I'm ready to move on, and the negative credit reporting is holding me up. Please help, it's been a horrible year, and I would like to move on ; please help. They drained my XXXX, and now I can't even get a representative to help fix their mistakes.
Consumer complaint received 2021-05-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have reached out via mail to the following credit bureau about a collection company that's reporting on my credit. I have asked for validation if such debt is owed.
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (VA)

MED DATA SYS reported that I owe them {$1300.00}, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.
Consumer complaint received 2021-06-01
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. (NV)

Months ago an XXXX credit card account showed up on my credit report that I never applied for. 

I have filed several disputes through the credit bureau all of which told me there was 'proof '. I called XXXX several times ( Customer service, Fraud, etc ) and they tell me every time I need to get in with the credit reporting department ( XXXX ) and this menu has zero options that reach an operator. Every single option ends the call with no option to speak to a real person. 

XXXX XXXX refuses to remove this account or even provide proof that the application was mine. Because they have none!!!! 

This company CLEARLY has application verification processes that are too relaxed. This would be ok if they had a robust fraud prevention team, but that is not the case either. INSTEAD, XXXX XXXX doesn't care if someone who applies for their cards is real or fake, and if they're fake XXXX doesn't care to fix it. I guess money is money for them. 

But that doesn't stop them from leaving it on my report and shutting down every dispute I submit through the bureaus. 

This is unfair, my opportunities are being stripped from me, and someone else is profiting off of all of this. 

I need help and XXXX XXXX is failing me for their own gain.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2021 a domestic wire transfer was sent out of my account unauthorized for the amount of {$7000.00}. Leave me with about {$50.00}. I quickly called and closed the account went into the nearest branch to open a new one. XX/XX/XXXX I sent in a notarized affidavit stating I did not do the wire transfer and I did not authorize anyone else to do so. 

XX/XX/2021 I filed a police report with the XXXX Police Department. 

I called XXXX weekly to check on the case and XX/XX/XXXX I was told that I had redo the affidavit because they lost the original one. 

I was also told that the department is 30 days behind and they dont know when I will get my money back.
Consumer complaint received 2021-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc. (CA)

I received a collection demand letter in the amount of {$19000.00} from Client Services. I am disputing this debt it has never belonged to me. I am a victim of identity theft. I will not pay this debt of {$19000.00}, because it never has belonged to me. This account is a fraudulent account opened without my permission.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (FL)

After sending several credit dispute letters to the XXXX, XXXX  and XXXX  as well as to Fedloan who is the data furnisher in regards to the derogatory payment status on my account with claims of me making a late payment back in XX/XX/XXXX-XX/XX/XXXX. Ive sent in several request to have the information corrected to show that I never made a late payment as my account was in deferment status as well as my consumer report shows that a 90 day late payment for XXXX but I was current in XXXX which based on actual facts that numerically that is an error in the reporting of my payment history. Also there are gaps in between months in which I would like it to be filled with a payment status for the complete and accuracy reporting to my consumer report.
Consumer complaint received 2021-06-02
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. (PA)

I am writing to your company again as you continue to violate my rights as a consumer by having these fraudulent accounts on my credit report. I do not understand how it is possible you are able to verify these alleged accounts when it is clear that there are so many inaccuracies and incorrect information. Please remove these fraudulent accounts that are listed in the FTC Claim. I have reported this and included yet another FTC Affidavit. I also made a complaint with the CFPB.