davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

I somehow missed XXXX mortgage payment in year XXXX or XXXX ** approximate amount {$2100.00}. since the mortgage company put the wrong bank account number sent to my bank because the payment didnt clear ; i did not get any insufficient check fees from my bank and since the Mortgage Company ( mr Cooper XXXX didnt contact me because of my active bankruptcy status * No one alerted me to that missing payment ** I have contacted the Mortgage company multiple times disputing what they are reporting that i am behind by {$7000.00}. ** and they are adding late fees each month {$64.00}, I even requested and filled out a loan modification application about 3 months ago and have not heard any updates except they have all the documents needed from me. 

This bank continues to increase the amount they say falsely is owed * again I owe only 1 month * {$2100.00}. Also a lot of my payments are not being applied they are just holding them, i have even been paying more each month as i was advised by their bank representatives because my escrow had increased, even that additional payment each month is not being applied!!! 
This is a crooked bank, i look for relief as a Veteran ****Thank you
Consumer complaint received 2017-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

A company called Portfolio Recovery is incorrectly reporting XXXX  accounts on my credit report. I have never had any dealings or communication with this company so there is no reason for them to be reporting any unpaid debts on my credit report.
I am including a section of a recent report which shows how they are being reported to my credit.
The XXXX account is being reported for {$360.00} with an account number of " XXXX '' and an open date of XXXX 2016. The XXXX account is being reported for {$370.00} with an account number of " XXXX '' and an open date of XXXX 2016. The XXXX account is being reported for {$470.00} with an account number of " XXXX '' and an open date of XXXX 2016.
I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. This company has a 92 % negative rating with the Better Business Bureau. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Consumer complaint received 2023-02-27
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. (MD)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

My first Federal student loan was in 1997. It is not showing on none of my credit reports. The student loan was consolidated into one and paid off. My credit age is incorrect. I have had credit longer than 4 years.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

There is a chapter  XXXX  Bankruptcy and  XXXX  public records on my credit report that does not belong to me. The courts do not report to the credit reporting agencies nor do they report to third party companies such as  XXXX ,  XXXX , Experian, Collection agencies, or   XXXX   XXXX  . I have sent a method of verification letter to  XXXX  and Experian asking them to fill out the verification form that I sent to them and got no response. These are the accounts in question that are an identity fraud issue : Reference number for Bankruptcy is  XXXX ,  XXXX ,  XXXX , and  XXXX  are the other   XXXX    accounts that do not belong to me.
There is a slew of inquiries that I did not authorize nor did I sign any paperwork to run my credit for any of these inquiries. I called the companies and none of them can send me a signed credit application with my signature stating I authorized these inquiries.
  XXXX   XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX  & f  Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX    Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX
Consumer complaint received 2017-05-31
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

My wife has been receiving calls from  XXXX   XXXX   XXXX  ( account #  XXXX   ) a cting on behalf  of Cash Central on an a lleged debt that I owe. The issue is that I have NEVER taken out a loan with them. They advised that there are no stores in the  XXXX   XXXX  area where I reside, so this payday loan would have been done online which I can promise I did not do. I have been given the run around and feel that I have not been given enough information to dispute this debt. I also have not received ANYTHING in the mail from these people. When I asked  XXXX   XXXX   XXXX  for the address of Cash Central, I was told the first time that they could not locate it and the second time that their system was frozen. I was only able to obtain an account number ending in  XXXX . They also stated that the individual that obtained this loan put down their place of employment as  XXXX   XXXX , which I worked there, but not in  XXXX  when this loan was allegedly obtained as I have been employed with  XXXX  for 7 years. I was finally able to find a phone number for Cash Central and address (   XXXX   XXXX    XXXX ,  XXXX , OH  XXXX , ph #  XXXX  ). I followed the prompts, opti on 1,   opt ion 1 again, then option 2 for  past due status and then it hangs up each time. I had to find another way to get thru by constantly pressing zero, in which I waited on hold for a go od 25 minu tes to only get some new person that advised me that they were unable to release their corporate address, just the billing address to send payments per her supervisor. She then advised that the account was taken over by  XXXX   XXXX ,  XXXX . I called them and they told me that the account was recalled back by  Cash Central   X/X/2014  and they misdirect calls to them all the time. Me and my wife are in the process of building a new home, and I WILL NOT keep dealing with these people, and I definitely wo n't be calling them back a 3rd time just to wait on hold for another 25-30 minutes to get someone on the line just to give me the run around again. I need some help here please!!! This is not my debt and I have not been given the proper information to dispute it. In my opinion, they have the burden of proof, not me. My social is  XXXX .
Consumer complaint received 2023-07-26
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)

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

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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. (SC)

My name is 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 2022-12-12
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. (TX)

I am having issues with Transunion 's handling of my dispute of inaccurate information on my credit report. I reached out to them on XX/XX/XXXX asking them to reinvestigate because after my previous request for investigation, I reached out to the creditors but they failed to validate the information. Transunion failed to conduct and proper investigation and they are continuing to report inaccurate information without properly validating.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (DC)

CITIZENS BANK IS ILLEGALLY HOLDING A US ISSUED TREASURY CHECK I DEPOSITED WITH THE BANK ON XXXX XX/XX/2023 I WAS TOLD WHEN I DEPOSITED THE CHECK THERE WOULD BE A 48 HOUR HOLD ON THE CHECK. 4 DAYS LATER MY FUNDS HAVE STILL NOT BEEN MADE AVAILABLE ON A US TREASURY ISSUED CHECK. 

CITIZENS BANK NEEDS TO BE INVESTIGATED FOR THEIR ILLEGAL AND UNETHICAL PRACTICES THEY DO WITH CUSTOMERS. 

I HAVE BEEN RACIALLY PROFILED AND BECAUSE OF THE AMOUNT OF THE CHECK MY FUNDS ARE STILL NOT AVAILABLE. 

THE CONTACT NUMBERS ON CITIZENS BANK WEBSITE ARE ALSO DISCONNECTED AND DO NOT WORK. 

AS OF TODAY, NOOONE HAS THOUGHT ENOUGH OF ME TO CONTACT ME REGARDING THIS MATTER, AFTER SENDING SEVERAL EMAILS TO VARIOUS MEMBERS OF THEIR EXECUTIVE TEAM. 

THIS IS CLEARLY ILLEGAL AS A FINANCIAL INSTITUTION CAN ONLY LEGALLLY HOLD A CHECK FOR 2 TO 5 DAYS.

AGAIN, THIS IS A US TREASURY CHECK THAT COULD HAVE EASILY BEEN VERIFIED BY NOW. 

I HAVE CONSTANTLY ASKED CITIZENS TO RETURN MY CHCK AT THIS POINT SO THAT I CAN CLOSE THIS FRAUD OF AN ACCOUNT OUT. 

NO ONE HAS STILL RESPONDED TO THAT REQUEST AND AT THIS POINT MY CHECK IS ILLEGALLY BEING HELD.
Consumer complaint received 2020-11-15
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. (CA)

Transunion refuses to address or adhere to the law. You had 30 days. Your 30 days are up. You did not investigate. You do not get to investigate now.
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

XX/XX/XXXX XXXX XXXX XXXX started reporting on my Experian credit profile. I have never received a letter or originating documents with any viable evidence bearing my signature. 
Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Reresulted in the deletion of the account for XXXX XXXX XXXX On XX/XX/XXXX XXXX soft inquiries from XXXX XXXX XXXX were deleted from my credit profile In XX/XX/XXXX I received an alert via Experian that my account has been flagged with a collections account listed for {$4100.00} from XXXX XXXX XXXX XXXX I was not notified nor did I receive a letter in the mail from Experian or XXXX XXXX about the reinsertion of the alleged debt. I have sent numerous debt verification letters via certified mail to Experian on XX/XX/XXXX and XX/XX/XXXX and have not received any response.
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (TX)

I am showing General Revenue Corp on my Credit report   XXXX    and   XXXX   for a balance of {$310.00}. I do not have a signed contract with General Revenue and do not owe a debt/balance to General Revenue. I am not aware of any signed contract with General Revenue.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is preventing me from submitting a dispute online. Equifax has also blocked me from creating an account online to submit disputes, check status of disputes, or access my credit report. I have called numerous of times and been given the run around. I believe Equifax is retaliating against me because I have reported them to the CFPB. 
In addition, Equifax is reporting the following accounts incorrectly which is impacting my ability to purchase a home : Collection Account is listed on my credit report for a paid medical bill incurred by my ex-husband for our child. 

1. Collection Account - XXXX XXXX XXXX XXXX XXXX ( Paid ) I've repeatedly disputed the reporting of this account. This collection account occurred as a result of health insurance not covering the charge incurred by my ex-husband. I am the primary on the health insurance only. Please remove it. 

Additional Inaccurate Reporting : Balance incorrect for the following accounts - 1. XXXX XXXX XXXX XXXX - {$2000.00} ( Acct # XXXX ) 2. XXXX XXXX XXXX XXXX - {$1000.00} ( Acct # XXXX ) 3.  XXXX - {$0.00} 4. XXXX XXXX XXXX XXXX XXXX - {$0.00} 5. XXXX - {$0.00} 6. XXXX - {$0.00} 7. XXXX - {$0.00} 8. XXXX - {$0.00} Unauthorized Inquires ( PLEASE REMOVE ) XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2023-07-26
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$8300.00}
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (NY)

To whomever this may concern, Wakefield and Associates is the collector agency that XXXX XXXX XXXX XXXX  used to collect this debt I owe. However, I do not recall using XXXX XXXX XXXX Services on XX/XX/XXXX. I do remember using XXXX XXXX XXXX Services sometime in the fall of XXXX ; at the time I did not have medical insurance and was struggling financially. Regarding the collection agency, I have never received a letter from them nor have received a bill from them. I have called over and over and have left voicemails ; no one has gotten back to me. I have sent emails to them, and no one has responded back to me ( I even checked my spam folder ). 

Thank you.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I request that you promptly initiate a comprehensive investigation into the unauthorized inquiries on my credit report. Please provide me with a detailed report of the findings and the steps taken to rectify this situation. 

Remove unauthorized inquiries : As per my rights under the FCRA, I request the immediate removal of all unauthorized inquiries from my credit report. This should be done within the stipulated time frame of 30 days, as mandated by federal law. 

XXXX XXXXXX/XX/2023XXXX XXXX, 2023 XXXX XXXX XXXX XX/XX/2023XXXX XXXX XXXX 2023 XXXX XXXX XXXXXX/XX/2023XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX, 2023 XXXX XXXX XX/XX/2023XXXX XXXX, 2023 XXXX XXXX XXXXXX/XX/2023XXXX XXXX, 2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-07-26
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 CFPB Complaint serves as a follow up CFPB Complaint for my previous CFPB Complaint requesting that the Credit Reporting Agencies investigate and remove the accounts that resulted due to fraudulent activities. On XX/XX/2023, I sent a dispute letter to each of the Credit reporting Agencies to have the accounts removed from my Credit File. In those letters I attached copies of my personal identifying documents as well as the FTC report I received from the Federal Trade Commission for reporting the fraudulent accounts on my Credit Reports. I request the Credit Bureaus to thoroughly investigate the following accounts and have them removed from my Credit File in accordance with the Fair Credit Reporting Act section 605b : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00}. These accounts were never made by me nor did I authorized anyone on my behalf to do so. These accounts are clearly fraudulent and must be removed from my Credit file the sooner the better. I have attached the letters I sent on XX/XX/2023 for I fear that the letters I sent would not be received by the Credit Bureaus. This complaint serves as my assurance for the Credit Bureaus to receive the letters.
Consumer complaint received 2023-07-26
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-26
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. (FL)

My name is 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.