davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

I started a loan with Cashcall XXXX Escrow through XXXX XXXX   file # XXXX. After several hours of calls emails and a written request from an attorney I finally received a completely different closing statement however the figures are still all off. I would like my money as soon as possible. 

My loan at $ XXXX I was given a lender credit of {$1000.00}. I made every payment and my loan payoff was only {$380000.00} so where is the {$1500.00}? I received one check for {$650.00} on XX/XX/XXXX and a second for {$19.00} on XX/XX/XXXX from title, therefore where is the {$890.00}? Escrow and closing costs are resolved, this is purely on the loan issue. 

The various closing statements Ive received do not match as follows : XXXX XXXX  ( prior lender ) they paid through XX/XX/XXXX and paid you more at {$380000.00} which is {$140.00} missing. Per your closing you are charging form XXXX which is another {$400.00}. Therefore I see whereas I am owed {$1400.00} minus 2 days interest at {$40.00} a day is a total of {$1300.00}. I have spent so many hours on this getting the run around for months. To the point whereas I had to have my attorney send a letter. I expect clear and concise records and a refund with interest for my missing funds.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX a financial instrument that represents a debt owed by the issuer to the holder. You are a consumer reporting agency, not a revenue agency such as the IRS. Why are you reporting certificates of indebtness to my consumer report which by law is ONLY to contain permissible purposes as outlined in Section 604 or the FCRA. 

These income accounts need to be removed IMMEDIATELY : XXXX XXXX XXXX PREFERRED CREDIT XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting 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. (NC)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Sir/Madam, I am writing to file a formal dispute regarding several fraudulent hard inquiries that have appeared on my TransUnion credit report. As a victim of identity theft, I request your immediate attention and assistance in removing these unauthorized inquiries from my credit history. I believe it is crucial to address this matter promptly to protect my rights and restore the accuracy and integrity of my credit report. 

I have recently reviewed my credit report from TransUnion and discovered the following fraudulent hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 These inquiries were made without my knowledge or consent, and I firmly believe that they are the result of identity theft. As a diligent and responsible consumer, I have always maintained a vigilant approach towards monitoring my credit report. However, due to the sophisticated nature of this fraudulent activity, I regretfully admit that I did not notice these inquiries until recently. 

According to the Fair Credit Reporting Act ( FCRA ), as a victim of identity theft, I have certain rights and protections. Section 1681g ( e ) ( 3 ) ( B ) of the FCRA clearly states that when a consumer disputes the accuracy or completeness of information in their credit file due to identity theft, the consumer reporting agency must block the disputed information from their credit report within four business days of receiving the dispute.

I kindly request that the Consumer Financial Protection Bureau initiates an investigation into this matter and ensures that the aforementioned fraudulent hard inquiries are promptly removed from my TransUnion credit report. By doing so, you will not only be upholding the law but also protecting my rights as a victim of identity theft. 

I appreciate your prompt attention to this matter and request that you provide me with written confirmation once the fraudulent inquiries have been successfully removed from my credit report. Furthermore, I kindly ask that you provide me with a copy of the updated credit report after the necessary corrections have been made. 

Please feel free to contact me if any further information is required from my end. I look forward to your assistance and resolution of this matter in a timely manner. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-04-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (NV)

An account was reported to Rent Recovery Solutions that i have repeatedly advised the original creditor that i was disputing. I was living in an apartment complex and slipped and fell on their premises and they requested that i move out and then charged me for things that were not owed.
Consumer complaint received 2020-04-14
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. (GA)

I do not recognize these consumers that are on my credit report. 

XXXX  ( XXXX ) XXXX, TX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, UT XXXX XXXX XXXX ( XXXX ) XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/2019 ) XXXX, Tx XXXX XXXX XXXX XXXX XXXX ) ( no address ) XXXX ( XXXX ) no address XXXX  XXXX ( XXXX ) no address XXXX XXXX XXXX XXXX no address XXXX XXXX XXXX XXXX XXXX XX/XX/2019 no address XXXX XXXX XXXX ( XXXX ) no adress These companies are false reporting
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my numerous endeavors 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (SC)

Chase bank restricted ( seized ) my checking account after I mobile deposited 5 checks after XXXX. I have contacted them and provided them with all of the information I have on the issuers of the checks ( my XXXX, a family friend and a Summer camp ) the only way for Chase to verify the checks is to speak with the issuers. The phone numbers I provided were not sufficient for Chase despite being the only phone numbers these issuers have. 

Ive been on hold for hours over multiple days to try and resolve. Im currently holding as I submit this. I am upset, the check issuers are upset and confused. No one has given me a reason as to why the account was restricted. Chase says it will close my account next week and keep the money until the checks are verified.
Consumer complaint received 2020-06-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CA)

ACE Flare card closed my account XX/XX/2020. I contacted them to get the reason for the account closure. I've had nothing but problems with this company using my card. I am an XXXX American and once a couple of months ago, an ACE card rep said the XXXX word to me and put me on hold for 30 minutes and then the call just hung up .My card was put on fraud risk for each and every transaction I made. When Is asked about the remaining balance, I was put on hold and the call was hung up .The debit card number for this account was XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/2020 requested credit correction fraud alert freeze security release asked the hard inquiry be removed along with my address being corrected. I filed a police report and sent it to them as proof and requested the credit report be updated they refused
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/2022 A letter from Comenity Capital Bank came about a Vacation Club Credit account. I have never applied for this account and never authorized XXXX to issue a hard inquiry on my credit reports. I'm not even sure how they got my info. This is horrible business practice and FRAUD.
Consumer complaint received 2020-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Critical Resolution Mediation LLC (IL)

The company called my sister and left a threatening voicemail concerning me. I called and they told me about a balance I supposedly owed but wouldnt give me more information when I asked. They threatened to sue me, garnish my wages and throw me in jail if I refused to pay. I was scared so I updated my address and email and gave them my debit card number because I thought they were legit and paid XXXX on XX/XX/20 the first installment. I XXXX  the number they had left my sister and found out it was a XXXX voice number XXXX. The name XXXX XXXX. Another number they used XXXX. I called my bank to cancel card and flagged the payment. I did not sign the payment authorization they sent me from email address. XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I have pulled my consumer report and see that there's a collection account on my consumer report. I do not recognize this creditor. According the FCRA under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

A creditor needs my written consent to add anything to my consumer report, if I did not give this authorization that is a violation of the Fair Credit Reporting Act I have not given any verbal or written authorization for this reporting. The claimed original lender on the reporting says " XXXX XXXX ''. I do not owe XXXX XXXX as I have a official court ruling stating there's no balanced owed to this original creditor. Where is the information coming from?
Consumer complaint received 2020-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION ()

XXXX complaint # 15 days and no answer. Don't worry they've been doing this to me since XX/XX/2020. Navy Federal Credit Union has gotten too big, if it is unable to take money from you in loans, overdrafts, and transaction fees, it doesn't want your business. It just doesn't answer your problems. If I don't have to listen, then I don't care. I keep getting these log-into your account emails, then they lie to me. Keep an accurate document trail, then do like I did to XXXX  XXXX XXXX, Never Ever put money in a XXXX account, but make sure you invest in their stock ... You'll get RICH. YUP. 
CFPB it appears is the same. I bet you're funded by them.
Consumer complaint received 2020-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ME)

I took out a XXXX XXXX loan for my daughter that was supposed to be deferred until she graduates next year. I currently already have other student loans being paid to Fed Loan Servicing and those are automatic payments. Soon after I took the loans out I became ill and had to have a relative take over my finances. Seeing that I was already paying Fed Loan Servicing it was assumed it was being paid and never questioned until I received a collections notice for the loan and it shows on my credit report as defaulted. 
The loan was supposed to have been in deferment so it is unknown how it defaulted. 
I tried contacting Fed Loan Servicing and they claim they have no information except that the loan was once there but they transferred it to " XXXX '' and they gave me the phone number of XXXX and I was told I needed to call Fed Loan Servicing back at XXXX as I would have to get the information from them, they also advised me to speak to a manager. I spoke to a manager was told there is absolutely nothing they can do for me and can give me no information. 
Furthermore as I had mentioned above, I have other accounts with Fed Loan Serviceing that is an automatic payment for the minimum amount that they take out every month. I don't understand why it wasn't added as the others are all lumped together. 
More questions they are unwilling to answer.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I bank in Ohio. Thieves broke into the local post box and stole my mail. I had enclosed a {$100.00} check which they stole the account number from. The bank was notified of the theft and a hold was put on the account. A second account was opened to shield the remaining funds from the first account. 
On XX/XX/2022 the thieves approached a bank in Kentucky and tried to withdraw funds from the first ( stolen ) account. The teller saw that there was a hold on the first account and released the funds, {$2400.00}, from the second account. 
My account was then charged the {$2400.00}. 
I have approached the bank four times and the branch manager submitted an affidavit for me. I was told to wait 120 days and it has been that long. Now I learned the affidavit is missing.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX  Acct # XXXX Inaccurate information on my credit report. 

by provisions of the Fair reporting act and per the standards of implemented with XXXX enacted XXXX XXXX XXXX COMPLIANCE REGULATIONS, I demand that the above mentioned derogatoryitems be investigated and permanently remove from my report. It's my understand that you will recheck with the creditor who. has posted them. please remove the inaccurate information that the creditor can not verify. I understand under 15 USC Sec1681 ( a ) you must complete within 30 days. WHY is this creditor reporting 2 different dates of last activity two different dates of the account being opened two different dates being last reported INaccordance with FCRA SEC 611 I'm requesting this information be investigated for completeness and accuracy.
Consumer complaint received 2023-03-24
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. (MA)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (LA)

On XX/XX/20 my husband applied with my son, for a car loan with a car dealership. We obtained financing, but were later notified that we had been refused because of problems with XXXX  and sagestreamllc. I have resolved the issue with XXXX, but have been unable to even obtain a credit report from XXXX. I have received two letters, and responded, requesting verification of personal information. I have been refused access to the credit report 4 times ... all because they can not verify his identity. I did send them the documents they requested. I finally called yesterday and was told that they did receive the information i sent them but either due to employee error or blurry fax they could not verify his identity. Their customer service representative told me to request a copy of the credit report online. I attempted to do that today, again having to upload a piece of personal identification. It is still telling me they are unable to verify my husband 's identity. I called and they said my husband would have to call and they would verify personal information with him. I am, at this point, highly suspicious of this company and their practices and regretting that i sent them anything. His score is XXXX with them and XXXX with everyone else.
Consumer complaint received 2020-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XXXX XXXX I tried to purchase a companion animal for my daughter. The website has all the necessary stamps making it appear legit. I proceeded to reach out to the owner and inquire more information. Upon speaking to the opener it all seemed legit at first. I was promised a companion animal same day. With all the required akc documention. I then started to notice a change in behavior. After looking into it more with the help of a police it was a scam. I then requested a refund from the seller directly. They said they would. Once they became aggressive and didnt I went to pay pal directly and inquired on how to get a refund. The seller wanted me to close the case ( which meant to pay pal no dispute could be filed ) I refused to close the case and the seller never gave me my item or refund. Pay pal wont give me my refund for item not received. I went to my bank. Filed a dispute. I called my bank as soon as I noticed it was possible scam to have the transaction stopped. They temporarily issued a refund. I received a email saying they couldnt permanently give me my refund. I called and asked for a explanation and now they are saying because it was a money transfer its not covered. However pay pal never explained it was a money transfer. And I never reached a item. The item was XXXX with a. Fee making it XXXX. I provided. Documention from the seller saying I would get a refund and still cant get help. The scammer also scammed a person I know shortly after me. We all reported this to the XXXX.
Consumer complaint received 2020-06-14
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. (TN)

This complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit bureaus, but they are not being reported.
Consumer complaint received 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (NH)

Due to the covid-19 situation we were seeing if we could skip a month of mortgage with The Money Source. But they are allowing a 3 month forbearance but are requiring all 4 months payment right after the 3 months are up. The Money Source is no help during this crisis.