davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
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. (NC)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX partial account XXXX that belongs to the Merchant : XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is high balance of {$300.00} in XX/XX/XXXX This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/XXXX. 

XXXX, I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX account # XXXX which is also the same account associated with their collection agency, XXXX XXXX account # XXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is charged off for {$560.00} in XX/XX/XXXX under the XXXX XXXX and with XXXX XXXX that the derogatory condition is {$520.00} past due in XX/XX/XXXX. This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/XXXX.
Consumer complaint received 2020-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

Twice in 2019 I tried to contact Mr. Cooper, an online mortgage servicer, by email. I often received prompt responses from customer service agent XXXX XXXX. 

However, these responses almost always failed to answer the question posed or escalate the service beyond XXXX. 

In the XXXX of 2019, I reported Mr. Cooper to this site for failure to produce necessary mortgage documents after weeks of attempts. This happened again in XXXX 2019. 

Indeed, an email link on the Mr. Cooper website, to which XXXX refers clients for important documents, " Research, '' seems to produce no responses at all. 

So this is my second complaint to CFPB about Mr. Cooper for the 2019 calendar year.
Consumer complaint received 2020-01-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (AL)

I Have sent out 3 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (VA)

On Friday ( XXXX ) morning at XXXX, I received a phone call from a woman who I came to believe worked for Chase. Obviously, the bank does not call you to ask for information. However, the conversation I had with the woman led me to believe she was actually Chase employee. First, she relayed to me my three most recent transactions, including one that had occurred within the hour before the call. All the transactions were transactions I made within the last day. She told me she was calling because of a fraud alert on my debit card, and someone had tried to make a {$100.00} purchase at a XXXX XXXX in XXXX, AZ. She was calling to let me know they stopped the charge, and they were going to shut down my card and send me a new one because they knew I lived in XXXX, XXXX She recited my address to me. I thought this was weird because I had my debit card in my pocket. Then, she told me to verify that I am speaking to a Chase employee she would send me a push notification through the Chase app on my phone. I did get a notification through the Chase app saying a representative was trying to call me. I did not get a spammy text message or email -- I opened my Chase bank app and got a notification. So, at this point, I thought I was legitimately speaking with Chase because of the notification through the app. Then, she asked me for my pin number " to retire it, '' which is weird, but like I said, I got this legit push notification, and I thought this was a Chase employee. She gave me a fake claim number and said they were sending me a new card. The conversation ended. Immediately, I received an email from Chase saying they were replacing my card. It is ( or appears to be ) a legit Chase email. It is from the same email I receive all Chase notifications from and looks exactly like them. Then, on XXXX -- all the money from my bank account is drained. I call Chase -- they say they never called me, and I go through the claim process with them. I got a now legitimate email for Chase saying they'll replace my card. It is exactly the same email I received on Friday morning. Chase is helping me, but I want to make sure they investigate whether a Chase employee is stealing money from customers, not just resolve my personal issue. I will attach pictures of the emails I received after talking to the woman and the email I received after talking from legit Chase to show they are the same email.
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (KY)

I placed an order from XXXX on XXXX for XXXX items in the amount of XXXX and utilized XXXX XXXX services to pay for said order over a XXXX payment period. After XXXX missed their delivery time period and I contacted XXXX via their application to cancel the order witch they did promptly since the order was last located in XXXX GA at the time of cancelation. They should have informed XXXX that the order was cancelled and returned to the XXXX warehouse as undelivered and canceled by customer. XXXX proceeds to continually ask for payment on merchandise that was not received by me. On XXXX XXXX decided to charge off the account and sold the account to True Accord for collection purposes. I informed True Accord that XXXX cancelled the order and returned the order at my request since they did not deliver the order to me within the time frame specified by them. On XXXX I received their letter response and resuming collection efforts. I should not have to pay for merchandise that I didn't receive and canceled. Please intervene.
Consumer complaint received 2022-12-27
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-29
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. (MN)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX .... & XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27
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. (MA)

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 2024-01-23
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (GA)

I entered an agreement XXXX to consolidate an XXXX credit card in the amount of {$22000.00}. My ( XXXX ) monthly payments were made on time each month ( auto draft ) in the amount of XXXX. The agreement was supposed to settled and completed by XX/XX/XXXX. XX/XX/XXXX, they were still taking out the monthly payment with no headway with a settlement. After numerous lengthy phone calls that lead me no where with many different companies ( because they keep changing my account to other consolidators ), I still have an XXXX credit card on my credit report and XXXX, XXXX less money that was pointless. 
I was unaware until today that I could even contact yall to ask about this issue.
Consumer complaint received 2022-12-27
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. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX
Consumer complaint received 2018-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MO)

Purchased a home XX/XX/XXXX financed thru XXXX XXXX XXXX. I suffered multiple hardships throughout XX/XX/XXXX and in XX/XX/XXXX, I requested hardship assistance from GMAC regarding my mortgage because I was struggling financially. Instead of helping me, GMAC started the foreclosure process against me in XX/XX/XXXX. After months of anguish and worry that my children and I would soon be displaced and homeless, GMAC decided to walk away from and rescinded the foreclosure process. In XX/XX/XXXX, GMAC approved a loan modification for my mortgage. However, GMAC inflated my mortgage balance and extended the term of the loan to XX/XX/XXXX effectively keeping me in the poor house while they get richer from exorbitant interest charges over a longer loan lifetime. 
Original mortgage XX/XX/XXXX = {$130000.00} Reaffirmed during Bankruptcy XX/XX/XXXX = {$120000.00} Mortgage balance as of XX/XX/XXXX = {$110000.00} Someone please explain to me how my principal mortgage balance decreased {$13000.00} within the first 5 years and has only gone down {$3400.00} in the subsequent 9 1/2 years?!!!
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc. (CA)

In XX/XX/XXXX, I printed a copy of XXXX credit report and noticed a collection from Professional Credit Service, In XXXX I called them to further inquire of this alleged debt, I was met with a rude and aggressive manner. I mentioned to the person, that I have not received proper notice and this collection needed to be removed from credit reporting agencies until I can properly dispute this item. The person became enraged and aggressive stating that " You have to pay, and you owe this debt, and we will not delete this item from your report ''. I asked him why I never received a proper notice by mail, he mentioned that many notices were sent, and they were send to the address XXXX XXXX XXXX XXXX, ca, which I no longer resided at this address since XXXX. I again notified him over phone that I have not lived as this address for almost XXXX  years. I move to an apartment for a short period of time and I did not receive forward notices to this address either. I have not been properly given an opportunity to dispute this alleged debt, and the Person again became aggressive and demeaning, and told me I have to pay and I owe this debt and they already notified me, although I did not receive any notice to an actual deliverable address. I then proceeded to give my current address and it has been over 60 days and I have not received any notice of Debt Validation and this item is till reporting on my credit report since XX/XX/XXXX.
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Affirm Holdings, Inc (MD)

I reached out for 90 days about a debt I have no knowledge of. They left me in hold at hours at a tike just to hand uo XXXX me. This debt is orefecting me from getting a house. The debt is {$230.00}. Affirm is not trying to resolve the account they continously give 3rd party collection number who cant identify there story. They keep reporting to my credit report but fail to allow me to satisfy the debt thar I am unaware of. This is very upsetting how a company can are threats curse me out & then slam the phone in my ear. Please help. I need this resolved with in 14 days. 

Thanks
Consumer complaint received 2022-12-27
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)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$7900.00}
Consumer complaint received 2023-05-01
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under thes following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!