davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Cobalt Mortgage (WA)

I applied for an FHA Loan through XXXX XXXX a licensed mortgage professional in Washington state with Cobalt Mortgage. He kept on sending me emails asking me the same questions over and over again. He kept asking me if I wanted an FHA loan over and over again. Finally, after two months, he told me that he cancelled the application that I had completed without my knowledge or consent. He told me that it was the law and that he had to cancel my application. When I wrote an email and asked him which law he was referring to, he could n't tell me what law it was. I think he was just making it all up. He should not be lying to his clients. People trust him to handle the applications completed on his website. He should not be leading people to believe something when it 's not true.
Consumer complaint received 2015-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: A & S Collection Associates, Inc. (CA)

We are a small business who was contracted with A & S Collections. They collected our debts for us but they never paid us on the percentage owed to us. I have invoices of check statements they claimed were processed. We never received these checks.
Consumer complaint received 2023-07-08
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. (CA)

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (MI)

I've come across an entry on my credit report from PENN CREDIT CORP that appears to be inaccurately reported. It's important to note that I was not associated with PENN CREDIT CORP during the timeframe mentioned, which is from XXXX. Additionally, the specified debt amount of {$1000.00} is not familiar to me. I believe there might be a mistake or confusion, as I was not residing at the stated location during the mentioned period and have no records of incurring such a debt. I kindly request a comprehensive investigation into this matter and a prompt correction of this erroneous information on my credit report to ensure its accuracy and fairness.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (VA)

In XX/XX/XXXX, I cancelled my XXXX  account and requested a final billing statement. On XX/XX/XXXX, I received a final billing statement for {$140.00}. I made three partial payments : {$40.00} on XX/XX/XXXX ; {$50.00} on XX/XX/XXXX ; and {$50.00} on XX/XX/XXXX which paid the outstanding balance in full. I received no interim or further communications from XXXX. 

On XX/XX/XXXX, I logged back onto my online account and noticed a charge for {$30.00}, but there was no explanation for the charge. I immediately paid the balance, even though I had no idea what the charge was for or why I " owed '' it. All of the equipment that we rented or used was immediately returned to XXXX upon the termination of the contract in XX/XX/XXXX. 

In XX/XX/XXXX, I became aware of a collection debt on my credit report relating to a {$50.00} outstanding debt owed to XXXX/XXXX. The debt was immediately disputed with all 3 credit bureaus and the collection agency ( Diversified Consultants ) and I provided proof of the XX/XX/XXXX bill along with my proofs of payment as well as the additional {$30.00}. As of this writing, Diversified Consultants refuse to remove the debt or provide me with an itemized billing statement explaining the additional {$30.00} and {$50.00} charges. 

I am still able to log into my XXXX account. There are no bills issued after XX/XX/XXXX. The final " bill '' I received on XX/XX/XXXX was simply an email stating that I owed {$140.00}. I have not received any communications ( electronic or written ) that I owed any additional monies other than the initial {$140.00}.
Consumer complaint received 2023-07-08
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. (DE)

This is my first 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, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXXXXXX XXXX  XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/2021 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$5500.00} XXXX OF XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX THE BANK OF XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$190.00} XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2017-04-08
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paramount Recovery Systems, L.P. (TX)

Upon looking into my yearly credit report I noticed XXXX collections placed on by Paramount Recovery. As far as I know, I do n't have any unpaid medical bills and I have no knowledge of these alleged debts. I sent a letter requesting validation of these debts and I received back XXXX pages from this agency. I am shocked and outraged by the amount of private medical information provided in these documents and devastated to find out that this company whom I have no connection or contract with has so much of sensitive information about my life, spouse, and medical history. I know that in certain circumstances limited information can be provided in an attempt to collect on a debt but this goes far beyond that and is a serious violation of my rights under Hipaa. I have no contract or relationship with this company and although they did send detailed information about my medical conditions, Doctors, insurance, procedures, symptoms I was presenting, religion, my husband 's information as well as information to contact my husband 's employer, none of the documents they sent to me contains my authorization for my medical provider to release any information to a 3rd party company. I intend to do everything in my power to make sure that this company is held responsible for violating my rights with such gross negligence.
Consumer complaint received 2023-05-10
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$400.00}
Consumer complaint received 2023-07-08
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. (TX)

This is my 9th 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY (CA)

This All Started After I Changed My Password XXXX XXXX, XXXXThe Representative Told Me After I Seen Over {>= $1,000,000} To Screenshot It And Take To The Bank, ,Yes 3 : Days Later I Was Alerted By XXXX XXXX, Regarding Mortgage With Company XXXX, XXXX XXXX From Federal Reserve Equity XXXX XXXX XXXX XXXX Paper Was Attached XXXX ,With XXXX XXXX XXXX, Also My Credit Score Dropped XXXX XXXX, And Every Month Wells Fargo Putting No Amount There Allowing My Score To Continue To Go Down, Without Any Notice Threaten To Close The Account When I Have To File 1099 B Wells Fargo Bank
Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

My daughter XXXX XXXX and I XXXX XXXX have account for social security XXXXXXXX, our deposit didn't come in XXXX or XXXX. My daughter account was closed and I was told there was no deposit but social security was about to deposit it on the XXXX. We still have not received our funds and bills are not paid. Contact social security XXXXXXXX to investigate. I also have an account with XXXX. My credit limits on my cards started to disappear and this is all happening after my auto accident on XXXX XXXX, my XXXX was also closed with out my permission thats why I opened us chase account. Please help me figure out what going on with social security account for us. Contacted bank about multiple accounts and user names. Please help
Consumer complaint received 2023-06-22
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. (TX)

I am requesting to you that I want you to help me eliminate the inaccurate items on my credit file. The particular item 's position that are recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest request on my credit report, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedback about this concern. The following items should be removed quickly : XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance : {$260.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; EQUIFAX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TN XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; EQUIFAX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This credit reporting agency has been reporting my personal financial information as a third-party company without permissible purpose. They have reports from XXXX, XXXX and XXXX XXXX negatively impacted my scores. I have contacted this company on several occasions to have them remove. These negative reports off of my credit reporting and they have ignored my requests. 30 days have passed. This is causing me financial hardships and discrimination from other financial institutions as neither of these companies can validate these claims. After several attempts to get them to remove these reports from my file.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2024 I received a spam of emails ( around XXXX ) which is highly unusual and in one of those was an email from XXXX XXXX XXXX XXXX stating thank you for your recent payment and here is your receipt. I immediately knew something was wrong as I did not know who the company was. I checked my credit card statement online and sure enough there was a charge for {$1800.00}. I locked the card online and called Bank of America to report. They said they would send me a new card and investigate the charge. The charge was removed from my statement. On XX/XX/2024 I received a resolution letter stating I owed. They stated that my address matched in XXXX XXXX in which I stated that is my old address and why would use my old address if I'm currently using my credit card. I called on XX/XX/2024 to complain and reiterate that I did not authorize this payment and have no idea how whomever did have my information. They said they would reopen the case. I called again on XX/XX/2024 as the call the day prior I did not receive a new case number. Again, I reiterated I do not know this charge. I checked my account today XX/XX/2024 and it says resolved and that I still owe.
Consumer complaint received 2022-10-27
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. (MA)

Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquiries made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX by XXXX on XXXX. These accounts and inquiries are unauthorized and fraudulent and requesting immediate deletion/removal of both inquiries and accounts.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I disputed the account balance for XXXX on my credit report with Equifax ; however, Equifax claimed that the reported balance was correct. However, I obtained documentation directly from XXXX that has my balance reflected as {$200000.00}. 

Moreover, my Equifax credit report is not illustrating that my all my payments for XXXX have been timely for XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. Finally, I previously submitted information to Equifax illustrating that the payment for XX/XX/XXXX was not 30 days late which you will find attached.
Consumer complaint received 2023-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (NJ)

I had went to a furniture store one day an had the guy at the desk run my credit to see what I could be able to be approved for and they ran my credit muiltiple times but I left because I wasnt ready to make the purchases and a couple months later I ran my credit and seen that I had a credit collection for the dept of XXXX $ and I never got any furniture from the furniture store so now I dont know what to do to take that dept of my credit report.
Consumer complaint received 2023-06-22
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$560.00}
Consumer complaint received 2023-05-17
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: ENCORE CAPITAL GROUP INC. (CA)

XXXX from the beginning has been communicating with a person other than myself, as seen in the attachment they sent me. Instead of communicating with the consumer/natural person, who is myself, they have been communicating with the organization having the shared name as me. This is a violation of 15 USC 1692c ( b ), for I, the consumer, never gave consent. It also is an infringement on my right to privacy as the consumer. 

XXXXk claimed that they honor my cease and desist but not my remedy? These are not separate, and the fact that they are attempting to separate them and think that I would not recognize it is laughable. The cease and desist was sent for them to stop the illegal activity they are doing. I mentioned the remedy for the injury they caused, which was illegal. Them honoring the cease and desist is direct proof that they are in the wrong. As the consumer and the creditor, I invoke the specified remedy under 15 USC 1692c ( c ).

Their so-called validation sent to me failed to meet all 5 requirements under 15 USC 1692g , which means they are in another violation. A bill of particulars is attached. An original writing, recording, and photograph are required in order to prove its content. We both know that bill statements are not mentioned as validation, according to congress. Bill statements with the name of my organization on them are nothing but receipts, proving that XXXX ( the debt collector ) was credited for the transaction already through me, the original creditor. I told XXXX to feel free to attempt to provide a verification proving where else the credit originated. I also told XXXX to provide me with the name and address of the original creditor.