davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-02-16
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. (NJ)

3 Accounts listed on my credit report are not mine and I have reported this problem to your company, I have even provided proof and still these accounts are still listed on my credit reports. I have filed identity theft reports and police reports and several complaints with the CFPB and I still am not getting any results. I am being penalized for these accounts and I didnt open them or utilize them.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC (MO)

I applied for a credit card with INDIGO which was advertised on XXXX XXXX and they denied me credit immediately and also ran my credit with XXXX and it showed up on my XXXX account and XXXX XXXX, meaning they got paid and I received no benefit from them and that is discrimination, fraud, unauthorized use of a credit card and identity theft and that's all codified in 15 USC 1691C, 1692K, 1642, 1681m, 12 CFR 1002 and others. Then they had the nerve to email me demanding copies of my picture identification, drivers license, passport and utility bills.
Consumer complaint received 2024-03-28
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. (OH)

I am writing to bring to your attention serious concerns regarding violations of the Fair Credit Reporting Act ( FCRA ) by your agency. Upon reviewing my credit report, I have discovered inaccuracies that warrant investigation and correction. However, it has come to my attention that your agency has failed to conduct an investigation into these inaccuracies, thus violating my rights under the FCRA. 

Despite my formal dispute regarding the accuracy of the information provided, your agency has not taken appropriate steps to investigate or correct these inaccuracies. This failure to conduct a thorough investigation is a clear violation of the FCRA, which mandates that consumer reporting agencies must investigate disputed information and correct any inaccuracies promptly.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Subject : Follow-Up on IRS Confirmation of No Levies or Holds on Account Dear Chase Bank , I hope this email finds you well. I am writing to follow up on our previous conversation regarding the status of my account in relation to any levies or holds issued by the IRS. 

After contacting the IRS directly, they have confirmed that there are no levies or holds on my account. Additionally, they mentioned that no levies have been issued for business or personal accounts since the start of the pandemic in 2020. 

I was informed by the IRS that they are required by law to provide me with any information that may have been provided to you prior to sharing it with you. However, I have not received any such information from the IRS regarding any levies or holds placed on my account. 

The IRS advised me that there is no paperwork they have to provide me stating that I have a XXXX balance and no holds are issued. They also suggested that I visit the Bank Branch office to request a copy of whatever information the IRS has provided to Chase Bank. 
I was also advised by the IRS to go to a branch speak with a manager and ask them to call the IRS and confirm that they have no levies or holds placed against my business. 
I kindly request your assistance in providing me with the information that you received from the IRS, regarding any levies or holds being placed on might account as well as any documentation related to my account status. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your understanding and cooperation. 

Warm regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

XXXX XXXX XXXX XXXX XXXX Hard Inquiry XXXX XXXX XXXX Hard inquiry XXXX XXXX XXXX XXXX Hard Inquiry XX/XX/XXXX XXXX XXXX in hard inquiry 's XXXX XXXX XXXX  hard inquiry XXXX XXXX XXXX XXXX XXXX hard inquiry XXXX XXXX XXXX XXXX XXXX hard inquiry Collection XXXX Jefferson Capital {$3000.00} XXXX XXXX XXXX XXXX {$6700.00} All of the list inquiries and collections are on my credit report. These are unauthorized inquiries and collections under my credit. I also noticed the there are XXXX different social security number list as well. This is affecting my credit score. I have reached out to the company about it but still nothing has happened.
Consumer complaint received 2024-04-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advance America, Cash Advance Centers, Inc. (FL)

I was contacted by a company calling themselves XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Also, by someone from the number XXXX claiming to represent that company as being an officer and that I would be subject to defrauding a bank over an installment loan from Advance America. That they were legal advisors and make recommendations. They threatened to come to my house and my work and have me arrested for bank fraud. They refuse to put anything in writing and I did make one payment to them out of fear. I do owe a debt to Advance America.
Consumer complaint received 2023-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CO)

I was a customer of XXXX between XXXX and rented a modem. I used the box and a shipping label XXXX provided to send the modem back after we canceled our service. They claimed they did not receive it and said I owed them {$100.00} for the modem. Since I sent it back to them using their shipping label I do not feel like I should owe them the funds. I still have the remainder of the shipping label sheet and have attached it to this complaint. They sent the debt to collections and I have been getting calls and letters from collectors since XXXX. Originally the false debt was sent to XXXX, now it is with XXXX ( XXXX ). I informed XXXX of the false claims by XXXX and have now informed XXXX. XXXX has also now added a collection to my credit report. I have filed disputes with each credit bureau. The equipment was sent back to XXXX using their own shipping label and I should not be negatively impacted due to their inability to track their own equipment.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (FL)

This complaint is in reference to Nationstar mortgage number XXXX. At this time, Nationstar is aware that the above referenced loan was discharged in a Chapter XXXX Bankruptcy in XXXX XXXX XXXX, FL on XXXX/XXXX/XXXX under Case Number XXXX XXXX. At the time of the bankruptcy, the loan was owned by XXXX XXXX XXXX and then sold or transferred to Nationstar after the discharge date of XXXX/XXXX/XXXX. Regardless, the loan is XXXX and should no longer be reported to any credit bureau - positively or negatively. 

At this time, it has come to my attention that Nationstar is reporting to all three credit bureaus on my behalf on this account that has been XXXX for over 7 years. 

At this time, I am requesting that an update and correction be made on my behalf to all three credit bureaus by Nationstar and all negative or positive information about this XXXX account be removed from my credit report with all three credit bureaus. I look forward to an amicable resolution. 

Thank you.
Consumer complaint received 2023-07-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

When trying to refinance my student loan with the aim of achieving a more manageable monthly payment, Navient re-fi quoted a rate of 7.55 % as a " lure '' to proceed with an application, only for the end result of my application being a rate of 9 % ... During the eligibility process we gave them correct data, but this seems to be pure misleading of consumers to get them to file an application and hope they will just accept it. Navient has been in this business for quite a bit and they should have better financial models/ to provide a more accurate interest percentage in advance of going through the actual application and a hard credit pull. We spoke to XXXX, XXXX on XX/XX/2023.
Consumer complaint received 2023-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (CA)

I am under threat of foreclosure because my mortgage company Roundpoint Mortgage Servicing has my money but will not apply it to my mortgage account. Roundpoint is violating the California Residential Mortgage Lending Act, specifically regarding timely posing of payments received.
Consumer complaint received 2023-04-13
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. (GA)

There are MULTIPLE fraudulent items on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent items and they're still reporting on my credit report. 
I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. 
I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$19000.00} XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I just want to bring to your attention an issue I had with XXXX XXXX ( formerly known as NationStar ). During my recent mortgage payment I made an additional payment on top of my monthly mortgage. I am up to date with my payments. Rather than apply my additional payment to my principal, they used it as an additional monthly payment. I find this very troubling because this result in the additional payment being used to pay for interest and it increases the interest I will be paying on the mortgage. 
Before XXXX XXXX, my mortgage had other servicers and this is the first time this is happening. I think this kind of behavior is n't in the interest of their customer. It helps XXXX XXXX make more money while cheating the customer.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (PA)

This company is reporting fraudulent inaccurate information on my credit report. I 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 of tis is actually an account that belongs to me.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NC)

I received a welcome email from chime and I never set up a chime account. 

I called the number XXXX and chime wanted my name, date of birth, and social security number in order to close the account. 

I was not giving them any of that information except for my name. 

They refused to close the account.
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

I submitted a XXXX and XXXX dispute regarding this issue last week against XXXX in which prompted the company in question to call me, XXXX ( now XXXX ). The XXXX legacy team and account XXXX called me regarding my dispute, and were still not able to resolve my issue, they tell me " Your account has been sold, you have to contact the collection company, and there's nothing they can do ''. I contacted the collection agency ( Jefferson Capital System ) and they promise that they put a dispute request in but could not provide me with confirmation or a ref # that it was disputed so at this point I just have to take their word and hope they dispute it, it is still on my credit report and has not been disputed as promised. This issue stemmed from when I had services with XXXX, I upgraded my phone and mailed my old phone back to the warehouse, they sent me confirmation that they received it. Months later I see a XXXX $ charge on my card from XXXX which prompted me to call them, they then told me they did not receive my old phone even after me receiving confirmation that they did. I called them months at end before they were bought out and I was promised numerous times it would be refunded, eventually I called my bank and they did their own investigation and refunded me MY money. Now 2 years later this comes up on my credit report causing my credit to go down XXXX points. It should of been the end when my bank handled this but here we are. The XXXX prompted XXXX  to call me, which again they could not resolve my issue since my account with XXXX was " sold XXXX. I am looking to get this resolved entirely in getting this off my credit report- Whether its the collection agency or sprint who is in charge of my resolution. I have taken all the proper steps with contacting the company who caused all of this ( XXXX, now XXXX  ), Ive contacted the collection agency, tried disputing this through XXXX XXXX, submitted a XXXX and XXXX complaint with still no resolution. Jefferson Capital Systems had the wrong address on file and never sent me anything via mail, they sent emails to an email address I no longer have access to.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd (NY)

I opened a WISE money transfer account and one day I try to send a payment of XXXX or XXXX dollars to the XXXX and they just deactivated my account. I appeal their desicion and still they decided to close my account without any detailed explanation.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (SC)

They said I refused to pay so under 15 U.S.C 1692c there shouldnt be any contact or reporting to debt collectors! 
Jefferson capital systems {$1400.00} for XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I was denied a bank account with XXXX XXXX  due to accounts and transactions that were furnished to my XXXX XXXX XXXX consumer report from TD Bank. After having XXXX XXXX XXXX investigate the accounts, they confirmed that the information furnished by TD Bank was not XXXX XXXX complete, accurate, or verified ( I have proof in the attachments ). Under The Fair Credit Reporting Act 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. The inaccurate reports caused damage to my financial reputation and humiliation. Also, this information should have never been in my consumer report in the first place because pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ) a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report is prohibited, especially without my permission.
Consumer complaint received 2023-02-02
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (OK)

Oklahoma statute of limitations on debt In other words, the Oklahoma statute of limitations on credit card debt is five years. So, if you owe a credit card debt, your creditor or debt collectors only have five years to sue you for it, based on the date of the last activity on the account. 

This debt was from XXXX, and resold in XXXX  This is illegal by oklahoma law