davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-24
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXXXXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXXXXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-06-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: American Credit Acceptance, LLC (AZ)

I have been staying in my car. 
I was pulled over and got arrested by office stating that I had a broken tail light but it was a lie. Wanted to get me out of car to arrest me for running my plates and having a warrant ( was supposed to be quash ). Not given an option was told I was leaving my car behind as they had to take me in. I was told vehicle was going to be OK to leave behind. This was at XXXX XXXX. Same day in the evening I went to get my car as I was released for miscommunication. My car was no longer in the parking lot ... called number in the lot that no cars can be left overnight *officer never mentioned that ). They didn't take my car. They advise another company took it. Called the non emergency police number. Advise car was taken by another company ... my lender has requested to pick up car. It got removed from lot at the same time I was being arrested. Not sure if the government can work with finncial institution in entrapment to get their possessions back that I legally had in my possession was just behind in payment which I was not 100 % aware. Long story short ... called lender. They told me I had my car repo and couldn't give me a lot of details. I advise that I was going to file bankruptcy include the vehicle in the BK. I ask to speak to that department to get further instructions on what I needed to do. They refuse to connect me to the department. They gave me no help, told me car was going to be sent to auction but wouldn't tell me when or tell me anything per the Arizona laws on how much time I had. I keep calling to tell them I wanted to include in a bankruptcy and would not help me. I am trying now to get my personal stuff ( my whole life was in the car like money, identity, my memories of the last year living in the car, my personal belongings ). Now I have nothing and its more difficult now to identify myself and get around in this state specially when we have heat warnings, they have left me in the streets with no shelter ( car was my home ) no money, no identity, making me once a functioning member of society into a nobody in the streets whom nobody would listen to. In final ... I am just human who made some mistakes in my life, but I am still a human being! Don't want to be what they have left me to be a nobody who has nothing, no identity, no money and no car/home thanks to our own judicial system. Emotions took over ... just american Credit Solutions would not help me with loan even after I informed them I wanted to file for bankruptcy and include the vehicle. Just told me that I would continue to get daily interest and car would be sent to auction if didn't pay that day and couldn't guaranteed my possessions left in the vehicle that is in a city 30-40 miles away. My phone, laptop, savings. my everything is in that car
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I called LoanCare on XX/XX/XXXX and was told a would get a reduced payment loan modification offer in 30 days. Its XX/XX/XXXX and it was not received. I called several times and after talking with service representative I a transferred and wait listening to music for an hour or 2 and then disconnected. Yesterday I got direct number - but it rings several times and disconnects
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MD)

I have been requesting a specific detailed section from my LexisNexis consumer report. 
It deals with how information about my address history is collected in Section 2 of my consumer report. I have been requesting the detailed information as to how their company compiles this information, as the report itself states that the consumer can request this detailed information. They have continued to send me nothing more than additional chips of the same report. I have been requesting the further detailed report of Section 2, and they have failed for months at delivering this item to me
Consumer complaint received 2021-06-24
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. (CA)

XXXX and TransUnion are reporting inaccurate information and keep saying that XXXX XXXX is verifying not only is that not true but XXXX XXXX have provided me complete documentation showing there is no such information and have asked the XXXX and Trans Union to remove any such information. They are not doing reasonable investigations and are violating FCRA. I have sent in disputes and phone calls and still they are submitting dispute or even getting information. XXXX XXXX has not verified no such information and XXXX  and Trans Union is intentionally caused me great damage and embarrassment also with emotional distress. 
. Enclosed is the proof that i have no such public record and that i am a victim of identity theft. Came from directly from XXXX XXXX. This will be my last attempt before i am forced to take legal actions on all parties
Consumer complaint received 2021-04-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NC)

Lvnv Funding Llc has not supplied me with the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, must terminate this collection action, and correct any erroneous reports of this debt as mine. 

Lvnv Funding Llc never provided any proof, as well as left Derogatory marks with the intent to hurt my ability to obtain credit which causes a detriment to my lifestyle.
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank is ESSENTIALLY IGNORING ME. I have now 7 letters from my Electronic Bill Payment Service stating that there was an incorrect payment address. I will send that to them. They're being HUGELY negligent to my issue and have IMPACTED MY CREDIT. I need HELP ON THIS ISSUE. 
In summery- they CLOSED A PO Box WHERE I WAS MAKING MY PAYMENTS LAST YEAR, the 2nd month into the pandemic. I received notices of RETURNED PAYMENTS and fixed the address by calling CITIBANK. 
They accused my of DELINQUENT PAYMENTS and CLOSED MY ACCOUNT. 
They are in error. They will not admit it.
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX "
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: ID Analytics, Inc. (TX)

I sent them my Id, social, & bank statements Not one person has been able to help me get my PIN number to unfreeze my account with them. 
Customer service cant identify me with everything I sent Still no PIN number to unfreeze my account
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Having a problem with a financial product or service? 
We have answers to frequently asked questions and can help you connect with companies if you have a complaint. Sadly you don't have the answers because in my opinion by numereous experiences and by design of the system it is corrupt from top to bottom. Yes and you the alleged protector propagate that XXXX XXXXXXXX I choose to define my opinion and evil will never change but stand in it's arrogance and pride. Wecand all who are held XXXXXXXX XXXX so called credit organizations and their cohorts understand who and what you are by your own thoughts, words and deeds. So filing a complaint useless but merely to serve truth. Yes we are as responsible because we use your services, need finance and share in the creation of who you are abdcstabd as guilty via our indifference.
Consumer complaint received 2021-04-20
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: Experian Information Solutions Inc. (CA)

Have tried to login into my account ( s ) to get credit reports & dispute not known accounts via Experian, XXXX, & XXXX  and each one is " unable to complete my request '' online
Consumer complaint received 2021-04-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUEBILL, INC (WA)

I contacted Truebill through there online chat box and spoke with concerning being charged for Truebill premium. They said I must provide XXXX email to be refunded which I did. I got a refund through XXXX and then was charged another amount in the amount of {$74.00} in which I never approved of. Little charges from my bank keep coming up in which Im not approving of. I need this company to stop with the charges.
Consumer complaint received 2021-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

I received a letter informing me that I have a XXXX debt totaling {$290.00}. 
This is impossible for 3 reasons. 
1 ) My husband and I share a XXXX account and his name is primary. 
2 ) That account is connected to a credit card. There is never any debt in that account, because purchases automatically are paid by that card. 
3 ) The debts in XXXX would be named for the companies that provided goods or services THROUGH XXXX. 
Also, they used a nickname, not my full name. 

From Jefferson Capital, Ref # XXXX www.MyJCAP.com XXXX XXXX XXXX XXXX. XXXX XXXX  MN XXXX Mail payments to : Dept # XXXX XXXX XXXX XXXX XXXX, AL XXXX Return mail address : XXXX XXXX XXXX XXXX, NC XXXX XXXX whole addresses!
Consumer complaint received 2023-05-07
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. (IN)

In accordance with the fair credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently came across my updated report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). 
Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. 
Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently came across my updated report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). 
Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. 
Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2021-06-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK (NY)

EAST WEST BANK held my reminding balance and said need to verify the legitimacy of the transaction with three of my original payers. 
But until now, only one of my payers from XXXX got the contact from EAST WEST bank and had replied as requested already. The rest two, one in XXXX, one in XXXX, never got any contact from XXXX XXXX. I contact XXXX  BANK to follow up. But they never reply and never provide a clear date range that when they will finish the so-called 'verification '. Now seems like far away and not within the foreseeable future. It's super unfair.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

They are negatively affected my credit score by false reporting. They dropped my credit limit without my knowledge and proceeded to process a payment late. I went into the store where they dont do cash bill pay and I went online they reported my account later. They are impacting and reporting my scores in an in fair, and derogatory manner!
Consumer complaint received 2023-03-31
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

I sold a home in XXXX, GA on XX/XX/2020. I am owed {$3800.00} in escrow from the sale of this house from Dovenmuehle Mortgage , Inc . The load was serviced through XXXX XXXX XXXX. The property address of the home that I sold is : I did co-own the home with another owner, but I am the only one due the escrow payment since I was the one who put the down payment on the house. Neither one of us has received any payment from the mortgage company. 

I have called both XXXX XXXX  and Dovenmuehle Mortgage Company numerous times inquiring about the escrow payment. Every time I contact them, I am told that the check was sent to the address of the property I had sold. I understand that, however, it was never forwarded to my new address and I have not received it. I am not sure why they would send a check to a house I just sold, which makes me question if it was ever sent at all. I have also heard a lot of excuses for the non-payment. Then again, I have also been promised many times that the check would be sent to my current address. I have even been given dates to expect the delivery of it. All of this to no avail. This issue is not only frustrating, but the mortgage company has a legal obligation to ensure I receive my escrow money.
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

I initiated a wire transfer from chase to XXXX XXXX XXXX, I purchase a semi truck to start my own business. On XX/XX/2021 I wire {$15000.00} to XXXX  XXXX XXXX account number XXXX, routing number XXXX. Chase keeps telling me that they have completed the transaction but XXXX XXXX XXXX XXXX at XXXX PA keep telling me that the money has not been received by their accounting department. Witch is the account info from above. 
It's a been almost a week and I am sure now that chase is not trying to help me at all, I please help me get my money back.