davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-28
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: EQUIFAX, INC. (FL)

EQUIFAX has locked my account, I have called them several times. They arent willing to assist and are claiming that my account isnt locked. I really need EQUIFAX to update my profile and make it accessible.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (PA)

We deal with fay servicing, around XXXX XXXX we went to make a payment, we was XXXX weeks late, my account wouldn't let me access anything, tried calling for weeks, finally someone got back to me, and wanted to remod our loan, so i mailed, faxed, and emailed all the paperwork, they claimed they never recieved any of it, finally after couple more months they got back to me again, after not letting us make payments, saying they got it figured out and either they was going to forclose or i pay XXXX XXXXXXXX for XXXX  months, total {$8800.00}, their math, so we been paying since XXXX made XXXX payments so far of {$2200.00} each, now its not reflecting payments, statement for XXXX shows i owe {$9600.00}. We tried to get help from our credit union but they cant see fay on my credit report, i sent them copy of mine, but its not showing any payments being made, on top that our balance is XXXX  XXXX ( on statements ), i baught house in XXXX for XXXX XXXX credit report showing i owe XXXX XXXX. When i called fay again for statements- cause im still locked out of my account- they asked why told them my credit union may take over loan, they said they needed to speak to their attorneys.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (MN)

Midland Credit Management informed me that I have debt from XXXX XXXX XXXX that has been transferred to them, then I made requests that they sent me debt validation documents to establish their claim which they declined give me couple of time and were just routing my calls to different department. ( The sign agreement is the basis of every transaction which I'm entitled to see ). 

Then in XX/XX/XXXX, I received a summon from conciliation court to appear because MCM represented by XXXX XXXX has sued me on the alleged debt. The hearing was scheduled for XX/XX/XXXX. Again I immediately made effort twice to write both parties to send me signed agreement on the card to valid their claim but all they sent was bill of sale, and statement. Also, I called both entities but was been pushed around and told that they don't have the document I requested. 

During the cause of my call to Midland Credit XXXX, I discovered someone in XXXX has access to my Personal Identification Data ( Name, Address, DOB, SSN ), through their organization mismanagement of data of which I confronted the individual. That individual quickly hung up the phone when I told her i will file a complain about the breach. I wrote 2 letters to MCM to explain why my data is in XXXX through them and to establish the debt again but they ignored my concern. 
I have received a lot of phishing, scamming attack and scammer calls since from the period that MCM notified of the alleged debt. 

At the hearing, I mentioned to the judge all the efforts I made to MCM to validate their claim to furnish me with the agreement on the alleged debt and the breach of my PII but the judge quickly shut me down and gave the plaintiff the opportunity to bring in statement, bill of sale denying me the chance to defend myself as specified by the law, I'm planning on vacating the judgement because the hearing was bias. 

I have attached the letters of validation I sent to MCM and XXXX XXXX I will like FTC to assist me in this matter because I'm financially handicap, I lost my job for over a year during the pandemic, I'm currently going to school, got sick thrice and just getting back on my feet after I escaped from my abusive spouse. 

thank You
Consumer complaint received 2022-05-28
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: WELLS FARGO & COMPANY (NY)

I have XXXX with my credit monitoring company or with the bank involved. In fact, my credit monitoring company XXXX XXXX XXXX ) picked up and alerted me to an attempt to open an account in my name at a bank ( Wells Fargo ) which with I have no prior or current relationship. I have spoken to Wells Fargo and they have " frozen the attempt '' - they have been helpful and responsive. I have also frozen my credit bureau reports ( XXXX, XXXX, XXXX ) on line and the fraud team from XXXX XXXX is apparently also to follow-up on this. So I actually have no complaint but was advised to report this occurrence to the CFPB since it appears to be an example of attempted identity theft
Consumer complaint received 2022-12-19
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)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts constitues a FEDERAL CRIMINAL VIOLATIONS punishable under 18 U.S.C. 1001. Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (TX)

Credit Systems is attempting to collect a debt from me, but they have failed to comply with several key consumer protection laws : Failure to Provide Validation Information : Credit Systems has not provided me with a written validation notice as required by the FDCPA, specifically, 12 CFR 1006.34 ( b ) ( 5 ). This notice should include the amount of the debt, the name of the original creditor, and the date of default. Without this information, I am unable to verify the debt and have my right to dispute its validity. 
Denial of Dispute Opportunity : I have not been given the opportunity to dispute the debt in writing within 30 days of receiving the initial communication from Credit Systems, violating 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This further impedes my ability to challenge the debt 's accuracy or legitimacy. 
False, Misleading, and Deceptive Practices : Credit Systems has not provided any documentation or explanation supporting the debt 's validity. Their actions appear to be based on false, misleading, and deceptive methods to pressure me into payment. This violates 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

Unlawful Reporting to Credit Bureaus : Credit Systems has placed a collection account on my credit report without providing the required disclosures mandated by law and before exhausting all legal avenues to collect the debt, in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

If you believe that I have been notified of this, then please provide proof of my signature indicating receipt of documents.
Consumer complaint received 2019-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (IL)

On XX/XX/XXXX I met a man who claimed to be XXXX XXXX XXXX. He was selling tickets to a XXXX XXXX game and wanted transfer via zelle. I was standing there when he gave me his name and multiple email addresses “XXXX” and “XXXXXXXX” also gave his phone number XXXX XXXX XXXX and said once the transfer was complete he’d forward tickets. He stood next to me we made the transfer and he ran off. I instantly called my bank XXXX XXXX to cancel and they haven’t done anything. Please help prevent this again
Consumer complaint received 2022-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (FL)

This is the second attempted complain I'm reference to XXXX XXXX XXXX. Reporting an alleged collection debt {$750.00} as open on XX/XX/XXXX. Original creditor was indigo credit card services account was open on XX/XX/XXXX, balance of {$300.00}. Indigo charged off/written off balance and close the account on XX/XX/XXXX. I do not owe a debt that has been charged/written off correct?
Consumer complaint received 2022-05-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collection XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} XXXX Balance Owed : {$10000.00} EXPERIAN Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collection XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX  Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Owed XXXX {$10000.00} XXXX XXXX Balance Owed XXXX {$150000.00} XXXX Inquiry XXXX XX/XX/XXXX Collection XXXX Balance Owed : {$1100.00} XXXX  Balance Owed : {$730.00} XXXX  Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$10000.00}
Consumer complaint received 2022-11-07
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: EQUIFAX, INC. (CA)

XX/XX/2022. I contacted XXXXXXXX XXXX to assist me in fixing my credit. They were only able to pull up information from XXXX and XXXX. Equifax was showing that my account was frozen or there was an error. I called Equifax to see if I can solve the issue. Ended up having to call XXXX XXXX times. Each time they said I either haven't had anything to report for the past XXXX XXXX or I have no file opened with them. The call ended with them providing either a fax number or mailing address to send a copy of my social, driver 's license, and proof of residence. When I go onto their site to create an account I get an error code XXXX. I went online to see if I can find answers that way and all I found was frustrated people with the same problem, and the only way this issue was fixed was by submitting a complaint to CFPB, so that is what I'm doing. I know I have plenty to report on my credit, the other XXXX credit reports show up just fine, it's only with Equifax.
Consumer complaint received 2022-01-23
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. (IL)

During sometime back in XXXX of XXXX I believe I became a victim of identity theft. Someone may have stolen all of my personal information and from that point they began to open up credit cards and receive financial assistance in my name without my acknowledgement! All this was going on without my knowledge for a total of about 6 years. On about XX/XX/XXXX I decided to apply for and open up credit accounts for myself and this is when I found out that I was a victim of identity theft. I immediately contacted all three credit bureaus and reported the fraud. I sent in all needed documents to verify that it was not me. I have also blocked anything from my report without my knowledge. The accounts are listed as XXXXXXXX XXXX XXXX {$1000.00}, XXXX XXXX {$1100.00}, XXXX XXXX  XXXX {$12000.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX  XXXX {$500.00}
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX : I got a notification that there was fraud reported on my checking and savings accounts and Chase would be closing and or restricting my accounts, I called Chase to see why they closed and restricted my account, there response was that it was the banks decision & gave no explination of why they closed the account. 

XX/XX/XXXX : I call Chase bank about when I can expect the cashiers checks to be sent, and I am told that they would be sent on XX/XX/XXXX XX/XX/XXXX : I return home from my trip to find one cashiers check for {$130.00} which was the amount in my checking account at the time that my account was closed XX/XX/XXXX : I called the bank to follow up on the status of the second check for the balance that was in my savings account which is {$510.00} and I am told that it would arrive in about a weeks time I call the bank a few times during these 2 weeks and I am told that the funds are being Investigated by the asset recovery team. 

XX/XX/XXXX : I return home for the weekend, and my father and I call Chase bank to follow up on the status of the funds, and we are told that they are still under investigation by the asset recovery department
Consumer complaint received 2022-05-28
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. (OH)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

I travelled an hour to get to a branch to execute a wire because it exceeded the online limit. Further, I was contacted by Chase to verify the transfer despite having executed it in person at a branch. After my confirmation, they said the wire was authorized/validated, before XXXX ( the wire cut-off time ) on Friday XX/XX/2022. At XXXX on Friday XX/XX/2022, I received an email from Chase stating that my wire was delayed and the recipient complained to me that they had not yet received the funds. This is simply unacceptable and Chase 's practices of withholding funds after transfer verification should be investigated.
Consumer complaint received 2022-05-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Collection XXXX XXXX  Balance Owed : {$1100.00} XXXXXXXX XXXX  XXXX Owed : {$730.00} XXXX XXXX XXXX Owed : {$370.00} XXXX Balance Owed : {$10000.00} XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collection XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX  Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed XXXX {$10000.00} XXXX XXXX Balance Owed XXXX {$150000.00} EQUIFAX Inquiry XXXX XX/XX/XXXX Collection XXXX Balance Owed : {$1100.00} XXXX Balance Owed : {$730.00} XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$10000.00}
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I have done all 3 credit bureaus " debt validation " which was a joke!. 
I want verified debt history of this collection account with notarized documentation of portfolio recovery associates ownership. AND PAYMENT HISTORY. 
FCRA & FDCPA VIOLATION! 
THIS is a collection account and under FDCPA & FCRA IS A VIOLATION to mark consumers collection accounts with " paid late '' only creditors can do that. Complaint also sent to XXXX and Wisconsin state attorney. I also now have attorney.
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (NC)

I am a victim of identity thief and that should have never came by verified. I recently went to XXXX 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses below are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN TRYING TO DELETE THESE ADDRESSES AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT CLOSED ACCOUNTS. *** AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

By law part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through XXXX XXXX The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( XXXX XXXX XXXX ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about accounts nor companies that I am disputing. 

DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT..

Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (GA)

XXXX XXXX XXXX XXXX HAS COMMITTED IDENTITY FRAUD! XXXX XXXX XXXX HAS ILLEGALLY AND FRAUDULENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX XXXX ( ACCOUNT XXXX ). XXXX XXXX XXXX  DID NOT RECEIVE DISCLOSURE FORMS FROM XXXX XXXX WITH MY CONSENT STATING THAT I GIVE PERMISSION TO SHARE MY PERSONAL INFORMATION. XXXX XXXX XXXX HAS VIOLATED MY RIGHTS BY COMMITTING IDENTITY FRAUD!!! ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. XXXX XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX XXXX with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party. 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 3. The financial institution giving me an explanation how to exercise the non-disclosure options. 15 usc 6802 Disclosure of Institution Practice Policy