davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

CFPB + Equifax, On my Equifax credit report shows an " other accounts '' with self rent - level credit ( see attached screen shot of location on Equifax. ) I spoke with the company- and they have agreed to close and remove this completely from my Equifax credit report ( see attached email exchange with them confirming they sent in the request to Equifax on XX/XX/2023 ). 

Please have this account closed and removed from my Equifax credit report as soon as possible. 

Attached to this complaint is : - my drivers license - my mailing address - my social security card - email exchange confirming from " self rent - level credit '' - screen shot where its located in Equifax
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (MO)

Navy federal has continued to harass me for a alleged debt. I told them not to contact me a while back and they continued contact me and are in violation of 15 usc 1692d ( 4 ) ( 5 ) and it states ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

Spoke with a representative regarding this matter they said they can not contact me for 30days but I never agreed to those terms because that isnt what the law says. I dont want them contacting me unless its about payment for the violation of the law.
Consumer complaint received 2018-01-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (RI)

They're asking for family members, I repeatedly tell them I am not giving out information over the phone to someone I do not know. They won't tell me what it's about. They won't tell me which person they're actually looking for. When ask what it's about, they tend to just keep yelling the name of their company ( Transworld Systems ). They keep calling even though I've asked them to stop.
Consumer complaint received 2023-01-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (VA)

This Affirm is a fraud Company. I don't know them and by fraudulently they inserted their name in my credit report and damaged my credit report. I sent 2 disputed notices to their addresses that were not my account so they dispute that account and if within 30 days they fail to dispute that account then they want to delete that account from my credit report. But they didn't reply to me back. After 30 days I sent one more notice to them that they failed to verify that account and after that, they didn't delete that from my credit report now I can't wait another 30 days so now you need to delete that account from my credit report immediately.

But after that, it's been 10 or more days completed they didn't reply to me back or didn't delete that unknown account from my credit report. So Affirm is really and really fraud Company first they inserted unknown accounts into people 's credit reports and second, they didn't send answers to people and by FCRA law they didn't delete accounts also after 30 days when they failed to verify or validate the account.
Consumer complaint received 2023-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (SC)

Harris and Harris repeatedly calls and asks me to call their number XXXX .... I see they are a debt collector in the XXXX area. I have no debt, so they are not calling for me. XXXX XXXX made each unwanted robocall a {$10000.00} fine. They have robocalled more than XXXX times. How do I make it sop? How do I get my money from them? 

This is harassing and ridiculous!
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (NY)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTXXXX 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
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX my checking account had an unauthorized withdrawal of {$3000.00} with a fake signature. I discovered the unauthorized activity and reported to Chase on XXXX. It was said the withdrawal happened in Michigan. Today is XX/XX/XXXX, more than 10 business days passed. Despite of three phone calls with Chase ( 1.5 hrs in total ) and two visits to local branch, there is still no refund of the {$3000.00}. 
The 1st line of defense of Chase needs immediate training on cooperating with the fraud activities. 
Customers should NOT wait this long for the bank 's mistake to be fixed. I no longer feel safe to keep my money in Chase.
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

DURING COVID WHEN I LOST MY JOB I CONTACTED NATIONSTAR MORTGAGE LLC AKA MR COOPER AND THEY OFFERED FORBEARANCE REFLIEF FOR 90 DAYS. AFTER HEARING IT WAS A SCAM I TRIED TO GET OUT OF IT AND THEY SAID I CAN'T. I TRIED MAKING MY MORTGAGE PAYMENT AND THEY RETURNED IT TO ME. WHEN I CALLED THEM THEY SAID THEY WOULD NOT ACCEPT PAYMENT FROM ME. THIS LASTED APPROXIMATELY A YEAR THAT I KEPT CALLING THEM TRYING TO GET OUT OF IT AND THEY WOULDN'T ALLOW ME, I WAS TRAPPED. AS I EXPLAINED TO THEM, THEY WERE MAKING IT WORSE. NOW I HAVE AN ENORMOUS AMOUNT OF MONEY ADDED TO MY PRINCIPAL BALANCE. 
I WAS JUST TOLD THAT I WAS NOT IN FORBEARANCE BUT IN A MODIFICATION. 

IT'S A CRIME THAT DURING COVID WHEN THE NATION WAS IN TURMOIL NATIONSTAR MORTGAGE AKA MY COOPER TOOK ADVANTAGE OF CUSTOMERS.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-18
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 have tried numerous times to get ahold of someone at Experian. I believe that there is a fraudulent online Experian account in my name and SSN. I have very good reason to believe this to be true because there were fraudulent accounts at both XXXX and at XXXX. Since I was recently hacked, with several credit cards being compromised, and several credit accounts attempted to be opened, it is obvious that someone out there has my information. When I try to reach Experian, I just get the computer voice, who refuses to let me talk to a real person and insists that she can help me, when in fact, she can not. This is not an issue that I would be able to resolve online because, you see, a fraudulent account would have an email address associated with it which is not mine. There are actually problems that require a real person to resolve and not a computer.
Consumer complaint received 2019-02-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Unable to access mortgage account online. On XX/XX/19 called customer service, spoke with them and tech support twice. After I ended first call and was able to access online account, I was still unable to access " mortgage statements. '' Online system showed that it could not verify me, and wanted to send an access code. I never received the access code. This prompted my second call. I was told my mobile phone ( which had been added to the mortgage account, with a text received that indicated my cell was added ) is ineligible to be added to my mortgage account because it is a company phone. Note : I pay my company for personal usage, and this is my only mobile number. At one point while speaking with the customer service representative I was told I could go to an ATM with a Wells Fargo Debit Card or Credit Card and this was going to make my phone number eligible. 

This seems very suspiciously like a way Wells Fargo is making mortgage clients open credit card and or savings/checking accounts. Which is wrong, very wrong!!
Consumer complaint received 2019-02-21
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 am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX
Consumer complaint received 2019-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX Credit card was open in XX/XX/XXXX and is currently in charge-off status. The 3 credit bureaus are only reporting back to XX/XX/XXXX. I am trying to confirm how this account was opened, online, in person or via mail, etc. I am also requesting payment history between XX/XX/XXXX and XX/XX/XXXX. I believe the date that this account should have stopped reporting has passed. I have attempted numerous dispute to obtain and verify information regarding this account. The result of the disputes is always updated with insufficient information. Please verify the creation of this account and provide payment history between the origination and XX/XX/XXXX.
Consumer complaint received 2019-02-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

Around the beginning of XX/XX/2019. I tried to make a withdrawal from my PayPal account. I discovered that may account was limited. I called customer service and they told me to give them a copy of my bank statement. I did. Then after calling numerous times and put on hold for close to an hour each time. I am given a multiple choice question from PayPal, supposedly from the " public record. '' I did not pass the test and PayPal is literally blackmailing me by not releasing my funds of {$180.00}. 

I sell small items on XXXX  from my home. XXXX takes a cut and Paypal takes a cut of my sell. I had never had a problem with withdrawing my funds from PayPal until XX/XX/2019. 

The multiple choice question has absolutely nothing to do with my personal information on my PayPal account. It seems PayPal has a side business where they are gathering information on customers to sell to third parties. I do not like nor want to be a part of this. 

Paypal has more personal information on me than my bank and PAYPAL IS NOT A BANK. I have no credit or loan with PayPal. They only process the payment I receive from my XXXX customers.
Consumer complaint received 2017-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following accounts are fraud and do n't belong to me. I have disputed with XXXX, Trans Union & XXXX a number of times and it comes back as verified. But XXXX ca n't prove how it 's being verified. I have asked for a sign contract a number of times and as of today I have n't received one. XXXX/ XXXX acct # XXXX this account is a result of fraud. XXXX XXXX acct # XXXX This account is a result of fraud.
Consumer complaint received 2019-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

Dear CFPB, I am writing to report an issue with American Express ( " AMEX '' ) Gold Delta SkyMiles Credit Card ( " AMEX Delta '' ). 

I was referred to apply for an AMEX Delta credit card. ( Please see attachment # 1 ). I was supposed to received XXXX Delta SkyMiles as a referral bonus after I spend {$3000.00} in purchases on the card in the  first 4 months of card membership. 

I have met the requirement in the first two billing cycles. However, AMEX didn't honor what they advertised. 

I have called customer service center twice to request the XXXX Delta SkyMiles bonus as advertised/promoted. AMEX 's response was simply I am not qualified for the bonus. 

I requested further explanation but they didn't provide any explanation. They are keep saying that I am abusing AMEX bonus promotion. 

I further explained that I closed one personal AMEX account and one corporate AMEX account ( this is due to change of employer ) and opened one corporate AMEX account ( this is due to new employer ) within two years. 

They didn't think this is abuse of AMEX bonus promotion. However, they told me that the decision was already made and can't be changed. 

I believe I earned the bonus by meeting their requirement from the advertisement. I have not abused AMEX bonus promotion as they acknowledged. 

Please help me to resolve the issue. 

Thank you, XXXX XXXX
Consumer complaint received 2019-02-21
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: EQUIFAX, INC. (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX
Consumer complaint received 2019-02-20
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: EQUIFAX, INC. (CA)

On XX/XX/18 I went into the XXXX XXXX XXXX XXXX inquiring about financing to buyout my lease. Since I had leased my Jeep with them previously, I asked what interest rate they could offer me based on an excellent credit score. About a month later I find on my XXXX XXXX that XXXX XXXX XXXX  ran my credit and made 3 HARD inquires that negatively affected my credit score. The inquiries were with XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX. I've contact the dealership numerous times as well as the credit bureaus to have these hard inquiries removed since I did not authorize. I would like to have these removed immediately since they will stay on my record for 2 years.
Consumer complaint received 2019-02-20
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: EQUIFAX, INC. (NC)

I contacted Equifax several mo ago and fax and uploaded documents to them showing my address and my ID card. Plus several police reports and FTC report and file a complaint with CFPB showing accounts were not mine and several address were not mine. No response or any correction to my credit report on Equifax. The address XXXX XXXX XXXX is a fraud account and it shows that in the police report. Then there was a account opened in my name at XXXX XXXX XXXX XXXX in XXXX XXXX SC with a lady named XXXX XXXX, She was a loan officer that worked there and stoled several older ladies Identity. She was fired and charges were bought up against her. She now works for the local XXXX dealer in the area of XXXX XXXX SC. Clearly Equifax doesn't care, But XXXX and XXXX does!! They removed all the accounts and inmmentity blocked them. Now Equifax is showing that XXXX XXXX XXXX, XXXX SC is my main Address!!! Clearly that didn't block or even look into the problem. Now Equifax is showing accounts from XXXX XXXX   that I'm a Authorized User on some account that isn't mine and its gone in defaulted! I asked 4 mo ago to please remove this account, because I'm not the card owner and they stated they would remove it and block those accounts. Never happened! Now theres a XXXX account on my report thats not mine, showing it was opened in XXXX of XX/XX/XXXX. Not Mine. Again they stated they would remove it and block it. Never happened!! The next step is filing legal action against Equifax in my local area for abuse and cost. My husband is a XXXX XXXX in the State of NC and he's ready to file today. They never do anything they say there going to do. FTC told them to remove and those account now and block the address of XXXX XXXX XXXX XXXX SC. If this doesn't get resolved in week from now i will file those papers against Equifax.
Consumer complaint received 2019-02-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX resent request to have entries for XXXX Card and XXXX deleted. Accounts had not been verified/investigated per FCRA. 
Original creditors admit to not having information regarding account in question. 
XXXX-has no record of account in question unable to provide information. 
XXXX XXXX- has not responded with original signed documentation of account.
Consumer complaint received 2017-07-28
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. (WI)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in my credit file. The Credit Bureau has not updated the information and per the new true Bankruptcy listed does not include this information and should be deleted from my credit files.