davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 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 2021-03-09
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. (NC)

There is an account for XXXX reporting on my credit report. I have never opened an account with this company. I have reached out to them about this account not being mine, I have also disputed it on my credit report, once the dispute was complete it said " meets requirements of the fair credit reporting act. '' I don't understand how they came to that conclusion because there is absolutely no documentation with my authorization of the account because I did not authorize it and have never had a card with them. I reached out to them years ago when I first realized this account was reporting on my credit report and thought they had removed it because I never saw it when I checked XXXX XXXX. it wasn't until I applied for a XXXX XXXX a few weeks ago that I was told that it is still showing on my credit report. I want this account removed from my credit report since I did not open this account!!
Consumer complaint received 2021-03-09
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: EQUIFAX, INC. (NC)

There is an account for XXXX reporting on my credit report. I have never opened an account with this company. I have reached out to them about this account not being mine, I have also disputed it on my credit report, once the dispute was complete it said " meets requirements of the fair credit reporting act. '' I don't understand how they came to that conclusion because there is absolutely no documentation with my authorization of the account because I did not authorize it and have never had a card with them. I reached out to them years ago when I first realized this account was reporting on my credit report and thought they had removed it because I never saw it when I checked XXXX XXXX. it wasn't until I applied for a XXXX XXXX a few weeks ago that I was told that it is still showing on my credit report. I want this account removed from my credit report since I did not open this account!!
Consumer complaint received 2023-03-01
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. (WA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still some items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My loan was originated XXXX last year by XXXX XXXX XXXX  XXXX ( XXXX ). It was sold early XXXX. I made my XXXX payment to XXXX as I was not aware at that time that my loan had been sold to Mr. Cooper. 
I found out about my loan transfer in late XXXX. I went on Mr. Cooper 's website to register for auto payment for XXXX mortgage. Then i found out that my account had not been credited with the XXXX Payment. I contacted both Mr. Cooper and XXXX about this issue. XXXX claimed they have sent the payment to Mr. Cooper. Mr. Cooper is claiming they did not receive the payment. This happened on a conference call I was able to get after having been tossed around for weeks, and several hours of phone calls to resolve this. 
XXXX is not helping me to resolve this issue. Mr. Cooper is harassing me with default notices. They will not allow me to pay the XXXX mortgage until the XXXX balance is settled. 
I have been suffering sleepless nights and near XXXX XXXX as I am being taken by one of these two companies. My excellent credit rating is in jeopardy. I am afraid of losing my home. The life I have sustained by my excellent credit is in jeopardy. 
I did not ask for my loan to be sold. I feel crushed under the weight of these two companies. Do I have any legal recourse? 
Thanks XXXX XXXX
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

We paid our mortgage off XX/XX/2021. The amount of payoff was {$320000.00}. They said the official payoff date was XX/XX/2021 and the payoff was {$320000.00}. We also have an escrow balance of {$5300.00}. They told the title company payoff was {$320000.00}. I have called in multiple times and was told a check was mailed, then it wasnt and they would send ACH ( XX/XX/XXXX ) and then I called on the XX/XX/XXXX, they said the ACH didnt work and they sent a check instead. I have not received a check. They then said they would void the check, I told them I wanted a check sent overnight and they said they sent ACH. I recorded the last few conversations with them and they lied multiple times. I want my money back with interest at the same rate I paid.
Consumer complaint received 2021-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (FL)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2023-05-11
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. (TX)

Dear sir or Madam : I am a victim of identity theft. I learned that my personal information was used to open an account at your company. I did not open or authorize these accounts, and I therefore request that All accounts identified as identity theft in this report Ive supplied be removed immediately from my credit files
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Somebody stole my information my identity stole my XXXX card I guess and spend up everything I had I guess that's what Bank of America told me everything was fraud I keep showing them gave them police reports did everything under my power and they still deny me when is supposed to be zero liability when all this was fraud they put cars in my name use my XXXX XXXX XXXX  and it's a lot of stuff I'm going through and I showed them all that and they still want to deny my claim and I'm doing the best I can
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2021-03-09
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: MicroBilt / PRBC (formerly CL Verify) (MT)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Today, a friend of mine, XXXX XXXX ( XXXX ( XXXX XXXX XXXX ), contacted me via XXXX, asking for me to send money, via XXXX ( my bank is Chase ), and told me that he would deposit me tomorrow. He asked for {$680.00} USD to be sent to XXXX XXXX, XXXX. 

I did send the money. Then, he asked for more, and that was suspicious, so I contacted XXXX in XXXX 's Messenger to verify it was him and he told me that it wasn't him but an impersonator. 

The conversation on XXXX was held in Spanish XXXX XXXX and I usually communicate that way ). I have proof of the conversation. I'm not sure where in the world the scammer is, but I assumed the U. S. because of the use of XXXX. However, the scammer speaks Spanish. 

I sent a money request via XXXX, to get the money back, telling the scammer I was submitting any complaint possible, but he/she, of course, declined everything. 

I've contacted Chase and XXXX but they have not been able to help me since I was the one who initiated the transaction. This money is really important for me during this pandemic that my husband is jobless and I don't work because of my XXXX process ( everything good but I still have not received the employment authorization ). 

I really hope you guys can help me out. Thank you so much!!!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2021-03-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (NY)

I have been paying my car note on a monthly basis on the XXXX of every month, through my Bank account. Flagship Credit Acceptance LLC. hires a Law Firm XXXX XXXX office. They lied and repossess the car. I received a mail from Flagship Credit Acceptance on XX/XX/2021 stating I need to pay them {$2700.00} to reinstate the car. I called and spoke with XXXX XXXX and asked why is it I need to pay them that money when I am making my monthly payment every month. XXXX after a little while told me to hold on, he spoke with his supervisor and they saw that I have been making my payments. He told me I didn't have to pay the {$2700.00} they will return the car. I have been paying them each month, I have my receipts and my bank information which confirms my payments. Once I called them they return the car free of charge without the License plate. I had to take off from work on XX/XX/2021 to go and get the License plate. On XX/XX/2021, I received a notification alert from the credit bureau stating I am late on my Flagship Credit Car payment ; I had made my payment on XX/XX/2021 in the amount of {$350.00} for XX/XX/2021. On XX/XX/2021, I received another credit alert saying the same thing " stating I am late on my Flagship Credit Car payment '' and my Credit score went down by 21 points. I check my Credit Report there is a Repossession on my credit report from Flagship. I do not owe them any monthly payment nor is my payment late. This shouldn't have happened when I am making my payments. They are also showing up 3 times on my Credit Report.
Consumer complaint received 2021-03-09
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-08-08
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. (NV)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00}
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (CA)

In XX/XX/2018, I had XXXX XXXX XXXX XXXX services which around this timeframe I was only a minor and being charged of {$1200.00} which is invalid and I do not owe the amount of charges as I barely have any income or any type of bank/routing account available and as of writing I am now XXXX years old, and in 2018 I was only XXXX years old when the account got set up and had to lie about my age due to privacy reasons. 

The account got closed after TWO WEEKS, and not even a month after getting the services.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-11
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. (CA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2021-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Good day! 

I would like to complain about my paypal account that has been put on hold last XX/XX/2021. According to them I am not complying with the documents to submit for my proof of identity. But the truth is I've been doing and trying to upload it on the system since the time I received an email from them regarding compliance. 

I told them that there has been an error message whenever I tried to upload my document. I've been trying to tell them that there is an error message and been asking to get help from them. They just keep on giving me instruction on how to upload the file. It is very easy to follow but the thing is there is the error message that they should look into my account. 

I am using paypal for XXXX  XXXX  and I really need it to run XXXX  XXXX. Hoping to get help or at least they give attention to my complain. 

Thank you very much. 

Kind regards, XXXX XXXX
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian emails me constantly that my credit report has changed. I click on the link. It recognizes my email address but tries to confirm at a phone number I don't recognize. It offers to reset my password, but I don't know the " pin '' At that point, there is absolutely nothing you can do. I see no workflow or phone number to call that doesn't ask for this. 

It's possible that I had all this information more than five years ago when our company was hacked and personnel information leaked and we were encouraged to accept credit monitoring. 

Now I can't use it and Experian provides no way at all, to respond to this. Only a form that requires a PDF file to file a complaint against your report. 

They don't provide a way to recover your account if you loose your pin.