davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BROKER SOLUTIONS, INC. (KS)

Hello, I like so many others lost my job XX/XX/XXXX. I quickly found a part time gig which lasted until XXXX of XXXX. During this time I went through and meticulously read my promissory note, mortgage, warranty deed and title paperwork. In XXXX of XXXX I was diagnosed with XXXX XXXX. 

I reached out to my mortgage servicer, New American Funding. They were very understanding, helpful and allowed for me to use all of the available XXXX forbearance via compliance with XXXX XXXX. 

Due to ongoing medical issues I was then offered regular forbearance which I gratefully took advantage of. XXXX told me about the program, XX/XX/XXXX XXXXXX/XX/XXXXXXXX. I was approved and XXXX received close to {$36000.00} from XXXX. 

I started inquiring and requesting documents from XXXX regarding the following : - why is my name written in all caps and to please change to upper/lower in both my note and mortgage. No response- why are they saying they own my loan when the XXXX XXXX website states it owns my loan once necessary information is given. They said XXXX XXXX was the investor. 

- if In return for a loan I received, I promise to pay.. proof that they loaned me money. Specifically I asked for a copy of the cashiers check they gave me or a copy of the check they gave me or the trace ID number if a wire transfer was sent to me or the routing number if an ACH deposit was made. No response. 

I requested the last bullet point on XX/XX/XXXX of this year and it is now XX/XX/XXXX and still no phone call or correspondence from them other than the automatic reply confirming my email regarding this topic was received. 

I am going to send them a debt verification letter as soon as I finish this complaint. 

Financial transactions have receipts and I am asking for your help in obtaining this information from XXXX since they refuse to respond to me. 

Thank you in advance for reading this and promptly contacting NAF to provide the information that I am the real debtor. 

XXXX XXXX
Consumer complaint received 2024-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I have no knowledge of this account, I lived abroad my whole life until I recently got engaged in XXXX. I was born in XXXX, FL and only have lived in XXXX, XXXX XXXX and now in XXXX, Texas. I do have siblings this could of been XXXX of my brothers or cousins since I am the youngest of the bunch But I personally did not open this account.
Consumer complaint received 2024-08-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc. (AZ)

I am writing to formally dispute an erroneous and fraudulent entry on my credit report. On or around XX/XX/XXXX, I noticed a collection account reported by XXXX. XXXX  XXXX XXXX, with the original creditor listed as XXXX XXXX, XXXX XXXX. The report indicates that I am responsible for this debt as a cosigner for an apartment lease. 

I want to state unequivocally that I have never cosigned for anyones apartment or any other debt with this creditor. This claim is entirely fraudulent. I have been severely ill for the past few years and have been in and out of the hospital battling XXXX. Due to my health condition, I have not been able to engage in any such financial transactions, let alone cosign for an apartment. 

Date collection opened : XX/XX/XXXX XXXX : XXXX This fraudulent entry is causing significant harm to my credit and is adding undue stress during an already challenging time in my life. I request that this matter be thoroughly investigated, and that this fraudulent account be removed from my credit report immediately. 

Please provide written confirmation that this entry has been removed. If you require any additional information or documentation from my end, please do not hesitate to contact me.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

Received a text message your account has been placed on hold. Please verify your information to regain access XXXX XXXX XXXX 

I do not have an account with any CBNA bank or otherwise. 

I did not respond to this text
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the account is fraudulent though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have disputed this account on my credit report several times since XXXX  with Portfolio for the amount of {$220.00}. I have no knowledge of this account and has repeatedly ask for a debt validation letter from the original creditor.
Consumer complaint received 2024-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

Someone opened a checking account from XXXX XXXX  in my name I've never banked with XXXX XXXX  I think it was my sister but I don't have proof
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance Owed : {$60.00} XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XX/XX/year>
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associated LLC is the name of the company that took a XXXX XXXX XXXX store credit debt that I no longer had and referred to XXXX and XXXX XXXX. with service of summons sent to my home. It was explained to both Portfolio Recovery Associated LLC and XXXX and XXXX XXXX. that the balance of this XXXX XXXX XXXXXXXX store credit card was added to the XXXXXXXX XXXX XXXXXXXX XXXX when I opened it, in which is in good standing. When the XXXX was opened I was told by XXXXXXXX XXXX XXXX  directly that XXXX supersedes the actual store credit card and it would now be closed. I have explained to each company as well as disputed in credit reporting agencies and they continue to call me, submit filings, etc. Both companies state there is nothing they can do and it is my debt. We are going back and forth about what took place, and the conversations ae no longer successful and/or predictive. I wholeheartedly believe this is a travesty that major companies are allowed bully and harass induvial to repay a debt that is not theirs. They have basically attempted to strongarm me into paying a debt that is no longer apart of that account with the threat to ruin my credit and sue me. The amount claimed is {$1500.00} which was again added to my XXXXXXXX XXXX XXXX  XXXX.
Consumer complaint received 2024-07-13
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: EQUIFAX, INC. (NY)

HARD Inquiries 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 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 2024-08-23
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/XXXX, I attempted to place a freeze on my transunion account. I attempted to change my email address but could not do this online. I had to call transunion. 


I attempted up to 5 or more times, and three today, XX/XX/XXXX. When it asked for my phone number the AI kept asking for my phone number repeatedly, after I repeated it. I have a witness that heard all of this. I was on hold and then dropped several times. 

I really need to place a freeze and I can not get through to a customer service person. 

I attempted to use the texting option. They only gave me the same phone number. When I attempted it was the same loop.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (GA)

American Express is stating that I have an unpaid balance due, but they also stated they have adjusted the balance because they did receive the payment. The balance due is actually an interest dividend payment due to me in the name of XXXX XXXX XXXX. I have requested the payment due to my legal name, be applied back into the account for further use. Redemption of payment was made by the bills and payments coupons ( negotiable instruments ) via XXXX XXXX XXXX  to American Express XXXX XXXX in XXXX, CA and to their Investor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY . American Express is not acting in the best interest of the XXXX XXXX XXXX XXXX. By withholding access to my credit via the access device card provide, is causing emotional, mental, physical, phycological & financial stress. I had to quit Culinary school, miss medical appointments and lost my job because American Express began restricting my card after trying to force me to make specific types of payments. Based on American Express 's Prospectus filings with the SEC, they made a firm offer of credit but have failed to uphold their offer, after receiving my initial investment of an asset backed security which was the application that they are trading on the secondary market. Obligating the public to pay a debt of a bank or corporation is illegal and goes against public policy ( HJR 192 of June 5th, 1933 ( Public Law 73-10 HJR-198 48 stat ).
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Selip & Stylianou, LLP (NJ)

I was sent a letter from my local court XX/XX/24 saying I'm being sued for a debt in the amount of {$3100.00}. I notified the company via phone, email and letter via mail on XX/XX/24 asking for a debt validation letter, a detailed list of payments, original signature by me, if there was an insurance claim filed, proof of chain of title to collect and proof of debt assignment. I received statements from the law firm. No validation letter and none of the above. I had no idea of this debt. It's also listed on my credit report. Should I contact the 3 credit bureaus?
Consumer complaint received 2024-08-24
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. (NC)

please delete and remove the following inquiries from my credit prole due to right to privacy I DISPUTED THE ITEMS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INFORMATION I didn't receive any personal extended credit from the agencies below : Transunion : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I disputed this information with XXXX credit bureau over XXXX times and they failed to remove the disputed information I had no other choice but to XXXX this adavit the credit consumer agencies violated my rights and I have no other remedy when disputing incorrect information from the credit XXXX XXXX than to report to the consumer protection agencies. THE ONLINE DISPUTE CENTER WILL NOT WORK WHEN I DISPUTE NEGATIVE INFO ON THE CREDIT REPORT
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried multiple times to contact TransUnion credit bureau over at least a two week period.Itried to log in innumerable times and get into a loop asking me to log in again. Next I ask for log in help they say will help in 106 minutes but who can hold for 106 minutes. One time said 26 minutes and I held that long only to get disconnected. I have been told they will help me multiple times on line but they just disappear or say they cant find me despite my logging in XXXX XXXX  of times. In contrast other 2 credit bureaus provided easy streamlined online process for initiating credit freeze. This company needs to cease being a credit bureau or fix there systems. Not sure if credit is sufficiently frozen if only two bureaus have complied. They said I could mail in credit freeze info but Im not comfortable just sending my SS # to this incompetent company. 
Thanks
Consumer complaint received 2024-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (FL)

There are two collections on my credit report for equipment not being returned from this collection agency when I have in fact been returned it years ago In 2020. I have sent proof and they are still saying that all of it has not been returned. A collection of {$1000.00} total still remains on my credit report for one piece of equipment that was returned along with the other equipment at the time.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

According to 15 U.S.C 1681b I have never given written permission to furnish these accounts to my credit report. my right are being violated. Portfolio needs to remove Immediately the two collection on my credit report
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (IA)

Jefferson Capital Systems , LLC This company is reporting fraudulent inaccurate information on my credit report Have requested that they provide the purchase agreement to show full ownership of such account and also other documents So I may review to see if this is the actual account account that belongs to me
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (LA)

I am receiving emails from a company called Spring Oaks Capital about credit card debt they purchased and are trying to collect from me. I do not want to receive emails, phone calls, or any other form of communication from this company.
Consumer complaint received 2023-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

AS OF XXXX XXXXXXXX XXXX  I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE
ACCOUNT NAME: XXXX XXXX
6 LATE PAYMENTS
Credit usage
XXXX
Balance
XXXX
Balance updated XXXX XXXX  XXXX  Credit limit XXXX  Account number
XXXX
Open/closed
Open
Date opened XXXX XXXX XXXX  Account type
Credit card
Status
Open.
Status updated XXXX XXXX  Highest balance
XXXX
Monthly payment XXXX  Last payment date
XXXX XXXX, XXXX  Contact info
Address XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX  Phone number
XXXX XXXX  THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS 
AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL...SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT
Consumer complaint received 2024-08-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

I am currently XXXX XXXX XXXX and live in Michigan. I supposedly owe XXXXt {$1600.00}. A company by the name of Jefferson Capital System is the original creditor. This makes no sense to me considering my entire life I have been on my mom and dads XXXX XXXX plan. I have had the same phone number since my very first phone and have never used XXXX XXXX. My personal information has been leaked through multiple data leaks during my time a XXXX XXXX XXXX  and I believe that someone acquired my personal information and fraudulently opened an account with XXXX
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The Company states i owe credit card balance from a Credit Card I DID NOT apply for. I report this as Identity Theft. The Company was asked to send me proof of my signature of the application and did not send any information to support the accusations.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX PA, XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX