davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 2024-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mullooly Jeffrey Rooney & Flynn (NY)

It has been like pulling teeth over the last few months for me to get any information from the firm Mullooly Jeffrey Rooney & Flynn , LLP.

Unfortunately, they do not answer my questions if I ask nicely, only if I file a formal complaint. So this is my umpteenth complaint, and I really wish the CFPB would tell them to start just treating me with dignity and answering my questions so I do not have to submit a complaint every time I have a basic question. 

They claim to be suing me on behalf of XXXX XXXX, and I have informed them multiple times I disputed the debt. 

One of the things I asked for is a copy of the contract. They finally sent this to me on XX/XX/XXXX. 

Immediately I noticed discrepancies : XXXX. The application was dated after the account was alledged to be open. 
2. The employer was not my employer at the date noted.

3. The address was not my address. They used a very old address from two decades ago.

4. The salary was not my salary at the time this alledged " application '' took place 5. The date format was weird -- it was in non American DD-MM-YY format instead of the normal American format MM-DD-YY. 
6. None of the codes or other formats was explained It therefore seems to me that this is clearly prima facie evidence that the alledged debt is not mine. If it were mine, XXXX would be able to produce a signed contract. Additionally, if it were mine and not a fraudulent money grab by XXXX or XXXX, they would be able to quickly resolve this issue. 

Instead, XXXX has told me there is no timeline for their investigation. 

Unfortunately, they're suing me, and that has a very firm timeline. I need them to take responding to me seriously. This is ridiculous!
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Consumer reporting agency is continuously furnishing accounts incorrectly and fraudulently. 

Charge offs are being furnished and updated when income is not to be furnished on the consumer report. 

Needs to be reported as PAID IN FULL / PAID AS AGREED This is violation of The Privacy Act of 1974.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Last year in XXXX I deposited XXXX at XXXX XXXX XXXX XXXX, XXXX, CO XXXX and the machine malfunctioned and didn't credit my account. I went in the following day and walked into the bank and talked to a staff member who was no help and just told me to call the number. I did and the gentleman who helped me credited my account the XXXX. DAYS later it was taken away and they said I only deposited XXXX dollars and took away XXXX of my money. Then they closed my account and keep hounding me for a debt that they caused. They never gave me the security footage that I asked for as proof and basically blew me off afterwards. Feels like I was discriminated against because of the color of my skin.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MA)

1, The credit card Diamond xxxx XXXX does not expire until XX/XX/year>, but already has a new number, purchases declined 2. The new card was first sent 2-3 months ago, never received -THE USUAL STORY WITH THE CITI BANK, EACH TIME SAME, Requested that a new card be send to me directly to XXXX, via XXXX, instead XXXX it was allegedly mailed again, to my XXXX address, IN THE ACCOUNT, THE NEW CARD IS MARKED AGAIN AS OUT FOR DELIVERY XXXX, XXXX XXXX- but, as usual, no tracking information and nobody received it, DEMAND THAT IT BE SENT TO ME IN XXXX VIA XXXX XXXX XXXX  XXXX, IMMEDIATELY, 3, Dispute about the XXXX  purchase was filed on line, with detailed explanation of what happened to one item and my email to XXXX attached as evidence, For THREE days I have been bombarded by the notifications of some mail in my mailbox on the Citi web site XXXX Well, finally, they uploaded that letter today, BUT IN THE ACCOUNT THAT BELONGS TO THE ONE OF THE CARDS THEY ALLEGEDLY MAILED, Finally I found it, So, they issued a conditional credit and want me to mail them a letter with the informaiton they have alredy received - DEFECTIVE AND UNUSABLE ITEM- the XXXX, which is supposed to arrive with XXXX  but did not have one, which makes it unusable, and unreturnable, as I am in XXXX and it would cost me as much as the XXXX  itself to ship it from XXXX to XXXX and then another {$25.00} to ship the dress to me,, NOT ONLY CITI XXXX CONSISTENTLY REFUSES TO READ,, they, knowiing that I am in XXXX, ask me to MAIL THEM THE LETTER WITH THE INFORMATION THEY ALREADY HAVE, 4, FOR FIVE YEARS, I have been asking Citi to please change the method of sending their confirmation codes from a phone call to SMS send to the same phone, I have written to the XXXX, to the Executive Service, again and again, explaiing, that, whe I am in XXXX, I can not receive their codes send via phone and demanding " press o, I,, 2, 3 '' I can hear the messages, but I can not make phone calls to XXXX/ XXXX  WHY OTHER CREDIT CARDS GIVE AN OPTION OF SENDING TEXT MESSAGES, BUT CITI, WHO ALSO HAVE IT, REFUSE TO MAKE IT AVAILABLE? TO MAKE LIFE AS INCONVENIENT AS POSSIBLE FOR THE CUSTOMERS, WHO THEY CHARGE XXXX XXXX  PLUS interest rate, refusing to lower it to a saner interest rate??? 
5, Citi has been pushing on me their wonderful personal loa option, refusing, to give me access to the information about that loan, because they want me, to confirm my identity via telephone, Supplying them with the travel notice, as their incompetent XXXX suggested, did not help a bit,
Consumer complaint received 2024-07-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MST Financial Services, L.L.C. (ID)

I requested that the collection agency Chapman financial services send me documents backing their claims of debt they say I owe. I sent a registered letter, called on XX/XX/24 and again on XX/XX/2024. They said they would send them but have not. As I told them I do not pay debt I dont owe. When I called they admitted that half of the debt the sued me for is past the statute of limitations. As they submitted it as one claim none of it is collectable under their lawsuit.
Consumer complaint received 2024-06-26
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. (OK)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXXhree Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

After reviewing my credit report I found some fraudulent activity being continuously reported on it ( See attached identity theft reports ) which are limiting my possibilities to get credit from financial institutions. 
In my Experian credit report different versions of my name have been reported several times. Please correct my name in the credit report as it appears in the attached identification documents : XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I am a victim of Identity Theft. I have submitted a police report and my FTC identity theft affidavit but some creditors keep coming back on my credit report and it is hurting my score XXXX points every time.
Consumer complaint received 2016-07-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC (CA)

My loan through XXXX XXXX XXXX was given to an collection agency called XXXX XXXX XXXX ( which I was not notified that the loan will be moving over to another agency on XXXX/XXXX/16 ) as I schedule another cycle of online payments for the collection agency to obtain. However, on XXXX, I spoke to someone from XXXX and they said your loan is not with this office, it has moved to Trans World Systems , Inc. The loan is at TWS but I contact the company on XXXX and was told to wait about 2 weeks because my information has not been cycled in the system. I called TWS, Inc. on XXXX and office was closed for business and called again on XXXX/XXXX/16 which I finally was able to get in contact with the representative who has been handling my loan. I have ask for something to be mailed to me and the representative began to take my credit card information. Effective today, I have reached out to the Trans World and asked for a fax number and they will not give me their fax number but gave me XXXX XXXX XXXX XXXX, but Consumer Affairs stated that XXXX XXXX XXXX has been flagged for and XXXX and explain further why. The representative from Trans World is asking for over the income amount and I agree because naturally I was scared, yet ask for another payment for the next following two months. The payment is " 8 '' times the income I would make and I do not have that income in XXXX. Trans World has failed to provide me with an itemized detail letter of who they are and notification of drafting, etc. No information has been sent from XXXX XXXX XXXX, XXXX XXXX XXXX or Trans World Systems regarding this matter. I 've been paying on my loan and it is growing, which I do not remember taking that amount out. I would like to give them something in writing for the first time besides the recorded call I have made requesting for information after I have given them my address correctly.
Consumer complaint received 2024-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Spoke with SPS to receive mortgage modification for my 2nd mortgage modification was approved according to the conversation with customer service. I was told I would receive documents to sign and I would be sent documents overnight. Never received documents spoke with customer service and relationship manage gave bank information for them to draft the payment out of my account, they never took payment out of my account now my home is set for a foreclosure sale, I have done everything my mortgage servicer asked me to do during this modification process, please assist me. Sent request XX/XX/2024 to SPS and foreclosure attorney to validate debt, requested Note, Deed and all documents associated with this loan. It my research Tennessee Law says foreclosure sale is to be canceled until debt is validated upon request from me the homeowner. Documents are to be received by me. I did not receive Excelleration of debt notice from the mortgage servicer XXXX XXXX XXXX XXXX the foreclosure attorney. Resubmitted request for mortgage assistance again emailed documents to SPS. I am XXXX and dont want to lose my house to foreclosure. SPS has been difficult to work with, they are unwilling to assist me.
Consumer complaint received 2024-01-26
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-10
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)

Upon checking my consumer report I noticed XXXX XXXX reporting a fraudulent collection account in my report in the amount of {$1000.00} with the account number XXXX, this account was opened up using my personal information without my consent. 

I also noticed an account from XXXX XXXX claiming a debt owed for {$2400.00} with account number XXXX that was fraudulently opened up without my authorization. I did not consent to my personal information being used. 

Attached is my ftc report along with police report detailing the fraudulent activity.
Consumer complaint received 2024-01-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

I have never lived at the location the apartments are telling me that I owe money on... I have lived in a residential home in a different city for years. I have reached out to apartment management and they keep telling me that I owe money on the alleged rental of this apartment, I have even sent a dispute letter to all of the credit bureaus and they haven't removed that item yet.
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/XXXX I transferred XXXX currency to Venmo and proceeded to sell it. After selling it I noticed they were going to withhold my funds until XX/XX/XXXX. Prior to the sale I wasn't informed of this and immediately contacted support. Upon contacting support I was told they couldn't tell me why they were being held and that I had to wait the 5 days before I received it. Incredibly frustrated I contacted them 2 more times and they kept acting like I purchased it on there platform which I explained multiple times that I did not. They do not belong in the XXXX XXXX and repeatedly fail to notify users of their illegal practices.
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC (OH)

The amount of interest collected on the loan is oppressive, and I am unable to make progress paying off the principal. Due to information recently learned, I believe the loan interest and fees are illegal in Ohio, as the rate should be capped at 25 percent. This is not a mortgage lender.
Consumer complaint received 2024-01-26
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)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXX XXXX XXXX : {$6500.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year>.
Consumer complaint received 2024-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: F.H. Cann & Associates, Inc. (MN)

Im constantly being harassed by F.H. Cann & Associates , IncXXXX, debt collection representatives for a debt I dont owe and is the result of identity theft. XXXX XXXX XXXX checking account with account number : XXXX with a balance owed of XXXX XXXX XXXX XXXX XXXX checking account with account number : XXXX with a balanced owed of {$120.00} is fraudulent checking accounts, not my checking accounts and is the result of identity theft. I never opened a checking account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

Force placed insurance on my mortgage without notification on a condo that has master policies in place. Provided documentation as of XXXX and force placed has been removed but payment has not been adjusted and currently charging approx XXXX monthly over my correct payment. Escrow reimbursement is allegedly in the mail as of XXXX. Not received and still pending review to adjust payment for almost 2 months now.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NY)

My vehicle lease ended, I returned the truck and all payments were finalized. After many months I received a notice that my pending balance was going to collections. Ally bank never notified me of an outstanding balance, this dropped my credit score over XXXX pts. 15 years of good credit history and XXXX credit scores ruined from lack of communication from Ally bank. The balance was paid immediately after notification of the charge off and should be rectified on my credit report.
Consumer complaint received 2023-07-28
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: Experian Information Solutions Inc. (TN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2024-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (MN)

I am writing as I can not afford to pay this bill. There was water damage in my home, and it is under mitigation with the insurance company. They have removed countertops and my kitchen sink. I have not had a kitchen sink for a few weeks now and I am working with my insurance company. Not sure if all of the mitigation will be covered and if all of the reconstruction of my kitchen and dining room will be covered. Please stop calling me and send everything in a letter for contact to me. I will need a Debt Validation Letter from you. I am requesting the original contract with the original creditor with my signature on it. I will need the payment history with the original creditor. Provide me with the Proof of debt assignment within 30 days.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I sent a letter directly to Experian on more than one occasion. 

They've decided not to uphold the law and have become neglegiant with my consumer report accuracy. 

No investigation was conducted, Instead they sent an email denying the fact that I personally sent the letter to them. 

A photo of their reply is attached.