davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-26
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: Experian Information Solutions Inc. (CA)

XXXX XXXX  IS ON MY CREDIT REPORT, THESE ITEMS ARE NOT MINE AND I WANT THEM REMOVED FROM CREDIT REPORT, XXXX XXXX XXXX XXXX SAME ACCOUNT NUMBER ON BOTH ACCOUNTS
Consumer complaint received 2018-05-07
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. (NY)

I was XXXX  for five years. I was released XX/XX/XXXX from XXXX XXXX XXXX I ran my credit and I have no knowledge of these accounts, nor did I give anyone access to any of my personal information while gone. I also filed a police report because of this issue. I also uploaded all proof of police report and proof of my XXXX. Below is the accounts. 


Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY XXXX GRANTOR Transunion XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Date opened XX/XX/XXXX Account Collections Capital XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX ) XXXX Status : Charged off as bad debt Experian XXXX XXXX CO XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX Opened XX/XX/XXXX Status- Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX Orignal XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX opened XX/XX/XXXX Account status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONLY, XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (NC)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MoneyLion Inc. (FL)

I Advised them of Law : 15 USC 1692c ( c ) THIS LAW CLEARLY STATES If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. Reporting to my consumer report is a form of communication, which is in clear violation for this company and the continue calls.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

I have reached out to XXXX and LexisNexis concerning fraudulent activity on my consumer profile but have yet to receive a response. I have provided my FTC Report, state ID, Social Security card, proof of address, and a letter detailing the specific items resulting from the fraud. Please ensure a block is placed within four days of receiving this correspondence. The letters will be attached to this complaint, and all documents will be sent via the United States Postal Service. This company is in breach of 15 USC 1681N, and these fraudulent accounts must be removed within four days as stipulated by 15 USC 1681C-2. 
XXXX Case Number : XXXX REMOVE FROM MY CONSUMER REPORT XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX  XXXX Account Number : XXXX Remove from consumer report 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXXXXXX XXXX XXXX Account Number : XXXX REMOVE FROM MY CONSUMER REPORT Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have attached ALL the relevant documents pursuant the above Section of the law.

I demand all the above Fraudulent accounts DELETED immediately.

I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC XXXX  Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-09-06
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. (CA)

On XX/XX/year> I sent several dispute letters to all XXXX credit bureaus ( XXXX, TransUnion, XXXX ) in regards to multiple fraudulent accounts negatively affecting my credit ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) that were a result of identity theft due to a data breach and they did not remove the accounts. According to the FCRA code 1681 15 USC The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (MA)

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX and the following inquirires as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC (IN)

XXXX XXXX XXXX XXXX XXXX speak with LoanCare We submitted a loss mitigation application to help lower our mortgage payment. The previous modification resulted in our mortgage payment soaring over {$500.00}. We called and asked about any other waterfall programs available and were informed that there was a new program that allowed homeowners to receive payment supplements towards their mortgage for 3 years. 

The rep we spoke to at that time said that we needed to wait until received the new payment package and call back if the amount was still too high. She reviewed our account and stated that she saw no issues with our eligibility. 

We received our new payment amount under the newest modification agreement and the payment rose even more. A call was placed to the collections department where a very rude representative spoke so fast, kept placing me on long holds, and didn't assist with assisting us with understanding why the payment went up and to request a review for the payment supplement program. 

He told us that we don't qualify because we don't have any partial claims funds available and that we need them for a payment supplement. I asked how was that possible since the supplement program was under 2 months old? He claimed his supervisor was advising him that we weren't eligible. 

Due to what I interpreted as a poor attitude, I respectfully told the rep that I didn't appreciate how annoyed he sounded when I was asking for was clarification. We still don't know what is going on and why we weren't told the correct information about the payment supplement program and why we aren't able to work out a lower payment amount to remain in our home.
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (MO)

I bought one of my relatives to US Bank to put my mothers name on my account but when I got their they told her NO we can not open or add your name to the account I told them why and they said that she was reported to XXXX XXXX and when I called them she had a clean history and we came back the next day they still refused to add my mother to my account which I own and make it easier so when I am in XXXX  she can access the funds like how joint account works
Consumer complaint received 2024-10-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Shellpoint Partners, LLC (CA)

After an initial inquiry with my lender, I was inquiring about a refinance option with them. They have all my information as my current lender, and upon an inquiry for refinance the individual made a hard pull on my credit without my consent. 

In further inquires about their fees and other out of pocket expenses, the individuals at NEWREZ stopped communicating with me and just started sending me documents to sign. 

Singe my initial applications I have received over forty ( 40 ) text messages, calls and emails from unsolicited third-party " lenders ''. 

I have formally requested that NEWREZ terminate the application I was mislead into submitting ( I did not know I was engaged in a formal applications and was specifically asking for an assessment of the options available to refinance ), and that they delete my files and submissions and stop selling/providing my personal information to third-parties. 

They have failed to respond or acknowledge my multiple correspondences.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have a XX/XX/XXXX bankruptcy entry that was placed on my credit report and I have been trying for over 10 months to get this entry removed. I have spoken with numbers of representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX I called once again to speak with a representative and inquired how Transunion verifies their public records. I want to know this information because the public record keeps coming back as mine. I has 3 representatives that told me that thr request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advises that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. Contacted the court and they advised me that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Transunion back, spoke with another rep this time an they advised me that the information is verified by the runner who goes to the courthouse. I asked what information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they sen over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify and information with the bureaus. Transunion refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2024-10-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (TX)

Shortly after my CD matured, I called the bank, BMO NA, requesting that my account ( XXXX ) be closed and that they send me my money, {$5200.00}. I was told I would receive my check in the mail within XXXX days. XXXX weeks and no check later, I called BMO. The agent said, whoops, we didn't put your apartment number on the envelope. ( Of course I'd been receiving their promotional materials regularly with no problem ). I was told by the agent that BMO would put a stop order on the check and I should receive a new one in XXXX days. ( No, he said, we can't fed-ex it or send it wirelessly, it has to be snail mailed, because it's far less secure. But hey, it's not their money anymore, right? ) Nearly XXXX weeks later and no check. I called again only to be told, whoops, you need to fill out a form before you can get your check, and the form will be emailed to you within XXXX hours. Furthermore, I was told, it would take up to 60 days to receive my check. Bottom line, BMO has deprived me of use of my money, for reinvestment or other purposes, for XXXX months after cashing in my CD. If BMO can't handle a simple reimbursement transaction like this, they should not be allowed to operate.
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

About 6 months ago i received a copy of my credit report and i noticed a account thats listed on my report that i ever applied for never used and never revived any benefit from. I disputed this account and they refused to remove them. This account are results of identity fraud. Credence Resource XXXX XXXX XXXX XXXX XXXX XXXXXXXX, credencer.com.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (PA)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway, I am requesting that those charges be removed.
Consumer complaint received 2018-11-27
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 (AZ)

I believe I reported this problem to you previously and was told it would be removed and it is back. 

I am divorced. my ex-husband has a credit card that he obtained without using my credit to get the card. It is with Discover Card. I am not on the account and have never had a card for the account. In our divorce, he stated that it was his account and he took all responsibility for that credit card. It is in the divorce decree. XXXX  is reporting that Discover Card says I have an open account with them for a balance of {$11000.00}. I don't have that account and I never have. I'm not able to access the account, use the account or pay on the account.
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (MN)

Ocwen called us about our Mortgage, said we were behind, we were NOT in fact we had paid over what we owed. We pulled bank records etc to proved where we paid and asked where it had gone, no response. Next I know we are getting letters stating our home is going in forclosure and going to be offered on a sheriffs sale unless we take this Modification they are offering. after going back in forth with them for weeks, months we were forced into taking this modifaction just to keep our house, then find out after we sign it the added a balloon to the loan and has hurt our credit. I was at an  XXXX   credit score  now I am at a  XXXX . Oh also our payments went up, not down, however I cant find another company to take over the loan as they have hurt our credit, added all these fees etc to the loan resulting in thousands of dollars, what does one do? please let me know what we do at this point.
Consumer complaint received 2017-04-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (NC)

SunTrust c hecking account. They keep charging us overdraft fees and the overdraft fees is what makes our account go in the negative. They should not be able to do this, It is not right especially when the overdraft fee causes the account to go in the negative!!
Consumer complaint received 2024-08-20
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. (GA)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under XXXX XXXX XXXX XXXX ( b ) ( b ) Accuracy of report 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. I know that Under XXXX XXXX Code XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an 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 of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX  :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (RI)

Due to Biden administration IDR FFELP offering, I consolidated my privately held FFELP for direct loan. During the process of payoff by Ai Advantage to XXXX, XXXX 's autopay was still on and a payment deducted. So, the payoff that was made exceeded the loan balance. As a result, XXXX did not reverse the payment or pay me. Rather, XXXX transmitted the funds to AI Advantage in a bulk ACH file in XX/XX/year>. AI Advantage refuses to acknowledge that the payoff exceeded the balance or locate the funds in the ACH file that XXXX transmitted. I repeatedly get ill-composed non-sensical emails from their customer service. I have provided documentation to the studentaid.gov website and they closed the case. I also have provided this info to the Inspector General 's office today. As a result of AI Advantage 's conduct, my loan balance actually increased and I'm paying interest on a higher balance and being denied any funds back. My balance at XXXX was paid in advance and had no fees. XXXX has said multiple times that they refunded the payment to AI Advantage with the date and ACH file number and amount yet AI Advantage is not providing any information and actually denying that I'm entitled to my funds that were overpaid due to the autopayment not being stopped.