davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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. (MD)

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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (TX)

I closed this account in XX/XX/2023 with a balance of {$600.00}. I made a {$200.00} payment at least three times. But the balance keeps going up. I learned last week that the account was not closed and that two different phone numbers had been added to the account. Discover also claims that they did not receive the {$200.00} payment that I made over the phone with them in XXXX. I filed a fraud claim 9 days ago and I was assured that the account was closed. 

I received a letter from Discover today via XXXX mail thanking me for reopening my account. The account is supposed to be under investigation for fraud. Not only did Discover reopen the account they increased the APR to 27.99 %
Consumer complaint received 2023-01-18
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. (FL)

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2022
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

There are non-mailable addresses on my credit report and they do not belong there. They were never my addresses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX
Consumer complaint received 2022-11-02
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. (TX)

This is my numerous 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX  XXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX Balanced Owed : {$7500.00} ; XXXX XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2019-12-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmerAssist A/R Solutions, Inc. (MO)

This collection company which I have No Contract with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA/FDCPA.
Consumer complaint received 2023-01-04
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: WELLS FARGO & COMPANY (DE)

Wells Fargo and XXXX accounts are all fraudulent and beed to be deleted I have contacted these companies and no MAN or WOMAN has come forth and validated a debt. 

15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 16 Section 604 2. Consumer reporting agencies can not furnish an account without my written instructions.

These are clear violations of rights. I do not do business with these corporations and no MAN or WOMAN has said a debt was due
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP (FL)

XXXX is making payments on our behalf to Ameris Bank. To date, they have made 3 payments in the amount of {$1100.00} each time. Ameris should have three payments that should be forward to our new loan servicer which is XXXXXXXX XXXX Even though we have updated XXXX multiple times, they still pay Ameris Bank which no longer holds our account. There should be a refund of three payments which should be transferred to XXXX. I have made multiple attempts with both XXXX and Ameris to rectify this situation and they state payment has not been received. 

Ameris Bank was the service for XXXX and then it was transfered to XXXX thereafter. Ameris Loan # XXXX Current provider is XXXXXXXX XXXX XXXX XXXX. 

Please help!!!!
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

I have had 3 inquiries on my credit that were not me Chase on XX/XX/2022 XXXX XXXX on XX/XX//2022 XXXX  on XX/XX/2022 How can I get these taken off my credit and find out who is trying to steel my indentity
Consumer complaint received 2022-11-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

I have missed a couple of payment. my mortgage company is trying to work with me. 
My major complaint is that I believe that the USDA loan was approved when it should have not been. there are many issues with this house. there is moisture under the sink in the kitchen which is causing the wood to dry root and a nasty smell possible mold. I asked the inspector to check for rodents and believe he did not as I asked. I have encountered 4 rats 3 of which was already living in the house before I moved in. The main bath has rusted fixtures. the deck wood is moist of which may cause more rats. My lawn guy has found a rat nest that was in the front of the house. there are holes that I was unaware before I signed the contracts, that I have found since I've lived here. I am a senior and believe I have been taken full advantage of. Please help me.
Consumer complaint received 2023-09-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC (NJ)

This is an old second mortgage that was past due. We tried to do modification and they deny it. Saying we do not qualify. They send an offer that for us to save our home or some type of modification we need to paid then over {$10000.00} and stay we the same terms of the loan and high interest. The penalties and past due surpass more than {$98000.00}. right now I owe more money to them than my first mortgage. they already file foreclosure with the state of NJ and not willing to work with us. I call them to ask for their help at least to change the terms of the loan to make it easier for us to pay and they told us that since I apply in XXXX for modification, right now it will be more money that when we applied. I'm getting Absolutely no willingness from them to help my family and my hardship. for them there is no option and when I told them I can not afford to pay them the {$10000.00} right now the agent told us that's what we do ask for money for some sort of modification. I'm in a hardship I don't have that money to give. I work in the hotel industry was out of work for 3 years after corvid. My first loan help us to change terms of the loan worked with us an lower our interest rate. why can they do the same. I'm frustrated and has cause my family an enormous distress. i just want a fair modification to save my home.
Consumer complaint received 2022-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstCredit, Inc. (OH)

I received three bills in a row ( one each month ) for the same medical service at XXXX and paid each on of them using the hospital 's online bill payment system. My debt was then sent to a collection agency ( FirstCredit ), which would not help clear up the situation. This is an outrageous practice.
Consumer complaint received 2022-11-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NY)

We signed and notarized our Modification with a partial claim back in XXXX. The documents were signed and recorded at our XXXX XXXX XXXX in the following book and pages : Partial Claim is in book XXXX page XXXX and was recorded on XX/XX/22. 
Mortgage modification is in book XXXX page XXXX recorded on XX/XX/22. 

For some reason Flagstar kept telling me that these were rejected and that the modification/partial claim never closed, which was erroneous. They were legally signed and recorded documents. 

I have called numerous times trying to get to the right person to update my account and even uploaded the recorded documents to the flagstar website. 

I was making the monthly payments but then in XXXX was told the account was in active foreclosure and to fill out a new loss mitigation application. Which didnt make any sense, because I made the payments every month since XXXX, until XXXX when they would not accept them because I was in " Foreclosure '', which was also not erroneous. 

I filled out the new application, but at this point it must have been clear, I actually already had a modification, and my account was updated. Since I could not make payments when the account was in foreclosure, starting in XXXX it showed that I was behind again, so I called the bank to make the regular monthly payments it was showing behind. XXXX. 

I just called yesterday on XX/XX/22 and loss mitigation transferred me to collections. The person in collections told me to bring my account current, I needed to make a payment of {$4800.00}. I paid that amount with the reissurance that my account would be brought current. 

When I look online today, it still is not brought mortgage current like I was told. Those funds are being held in suspense, and I am very concerned that my account is still being considered in foreclosure, even though the modification with partial claim was sign and filed in XXXX and all regular monthly payments have been paid since then.
Consumer complaint received 2023-07-24
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. (MD)

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 XXXX, MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX, DC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I have attempted to have my security freeze/suppression lifted from my consumer discloser report several times and it has not been removed in over a year. According to the fair credit reporting act this company is required to comply but has not. I have spent hours on the phone trying to get this problem resolved sent in documents etc but have yet to accomplish removing the security freeze or suppression from my consumer discloser report. This freeze is inhibiting my ability to obtain credit and putting a huge strain on my life
Consumer complaint received 2017-09-08
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. (MI)

I believe that my personal information may have been impacted by the 2017 Equifax breach, based on querying for my info at https : //www.equifaxsecurity2017.comXXXX
Consumer complaint received 2022-11-01
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair Credit Reporting act XXXX Acount # XXXX, has violated my rights. 15 U.S.C 1681 section 602. A States I have The right to privacy. 15 U.S.C 1681 SECTION 602 A. States a consumer reporting company or website can not fumish an account with out my written instructions or Agreemnets.I did not Give experian.com or XXXX my written consent To Report these Six late payment negitive items on my Cridet. Please help me! Experian is the only credit place that is refusing to remove these Items all The other credit place have removed my negtive Items from the reports.
Consumer complaint received 2022-11-01
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. (FL)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer privacy and confidentiality under 15 surcharge 1681. 

XXXX XXXX accounts # XXXX. XXXXXXXX XXXX  # XXXX has violated my rights. 

15 u.s.c 1681 section 602 a. State I have the right to privacy 15 u.s.c 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c. ( a ) section ( 5 ) state : 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 record of conviction of crime which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relay 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 2023-07-24
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. (NC)

This will be my last Complaint to inform the TRANSUNION Credit Reporting Agency that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the TRANSUNION Credit Reporting Agency is required to remove any ITEMS which were 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 is not information relating to any transaction by the consumer. If the TRANSUNION Credit Bureaus do not comply with the requests, I must pursue legal action. I need the listed account deleted as soon as possible : XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-06-08
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. (AR)

I called network to get TV service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the XXXX XXXX account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent accounts off my report.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-07-26
Product: Credit card or prepaid 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: CITIBANK, N.A. (PA)

I received a notice from LL Bean Mastercard and Credit Card Services ( account # XXXX ) informing me that my case regarding a dispute had been investigated and has been closed. The case # is XXXX. According to the documentation this occured on XX/XX/2023. The Merchants name accrding to the paperwork is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone Number XXXX XXXX XXXX. The transaction amount is in the amount of {$410.00} on XX/XX/2023. The merchant reference number is XXXX. Refering to page XXXX of the dispute paperwork in question you will take notice that the majority of the page is in the Spanish language. The address and name are mine. But the other information is in XXXX. The transaction took place in XXXX XXXX, XXXX. I can not understand the rest of the information because it is in XXXX. I do not live, work, or stay in XXXX, therefore my card has been compromised. I am of XXXX and XXXX origin. I have no relatives or communications with any person or organization in XXXX. I have had no business or personal dealings with anyone from XXXX, living in XXXX, working, in XXXX, or otherwise staying in XXXX. On page XXXX there is a company named XXXX XXXX  listing flight information including general policies, flight change policy, and flight changes. I have never flown via/with XXXX XXXX XXXX I am not familiar with and had never known of or had any dealings with them of any kind whatsoever. On page XXXX of the documents from LLBean Master Card it includes the acception of and terms and conditions of the flight in question. I speak very little XXXX and nothing on these documents looks familiar at all.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX