davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BSI Financial Holdings, Inc. (NJ)

Dear BSI Financial Services, Attached please find IRS FORM W-9-REQUEST FOR TAXPAYER IDENTIFICATION NUMBER AND CERTIFICATION. Please fill out and return to me at the address noted below and I will send you the 1099 for the attached payment by Check # XXXX for {$13000.00}. Attached are : 1-Check # XXXX payable to the Law Office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2-Motion to Compel Distribution of All Funds in the Court Registry to the Plaintiff 3-Order Granting Motion to Compel Distribution of All Funds in the Court Registry to the Plaintiff. 4-Request for Payment Form Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Consumer complaint received 2020-01-10
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT FROM XX/XX/2019 ON MY XXXX ACCOUNT. I'VE HAD A FEW MINOR HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT.
Consumer complaint received 2020-01-09
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

I was referred to collections for a office visit and never informed by the physician about the bill. It could have been resolved years ago. I had a XXXX XXXX account that had the funds to pay for any office visit but XXXX XXXX XXXX office never presented the bill for payment. I contacted the XXXX XXXX and requested the payment of remaining funds to be made to XXXX XXXX XXXX and I also notified XXXX XXXX XXXX XXXX and provided them with proof of the payment. XXXX  and the XXXX XXXX XXXX XXXX is still reporting this informaiton erroneously and refuse to remove it from my credit report. I was never notified about the debt prior to it being reported to my credit report as a collection account and now I am being penalized for an account that I had no knowledge of from the beginning. I paid both accounts and I need for them to be removed from my credit report and updated as paid. 
XXXX was paid to XXXX on XX/XX/XXXX ( cleared by XXXX ) XXXX was paid to XXXX XXXX XXXX on XX/XX/XXXX ( virtual card payment has cleared on XX/XX/XXXX ) ..
Consumer complaint received 2020-01-11
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: Experian Information Solutions Inc. (CA)

Had identity theft for over a year and placed freezes and fraud alerts on all companies. I noticed a new card alert on my XXXX XXXX and I started to investigate ... I contacted experian to find out that my credit freeze had been removed. This is not the first time that my freeze had been removed from my credit report on one or more of the credit reporting agencies. ( Im told that even though I got a pin number that their is nothing they can do to stop it if the thieves provide them the information they request. ) When I contacted experian I was told that I actually had a Experian Monitoring account opened in the begging of XXXX.. I  spent the that entire day being told their is nothing they can do and being transfered from dept to dept and begging to speak to the fraud dept.. I got now where with filing a complaint into having them look into the fraudulent account opening. Their said they dont do that and that I could only close the account as fraud ... I did that and then re opened in my name and personal information quickly. 
I called again to try and make complaints and to find out how to stop them and had an agin few hour transfer from dept to dept to be told the same thing ... Except for if the first account was closed I should be comfortable knowing another couldnt be opened ... I told him I did that five seconds after and he was shocked.. That shouldnt happen, but just told me that it is true that their is nothing they can do.. Im confused because they allowed someone to open the account and I understand how that could happen because somehow they were able to get a credit card in my name to use as payment, but they also disputed my actual phone numbers.. and they got them removed from my credit file ... That makes it impossible for possible creditors to verify my calling one of the numbers because they were removed ... The one phone number Ive had for over 15 years and the experian must have not even tried to verify that the numbers should be removed because all there were actually mine or parents numbers.. Experian is offering no solutions. I dont know what to do because now they even have my whole credit report ... Since then they were able to steal money from my bank account and I dont know where it will stop.. They make it impossible to speak to a person who can actually help ... I would like them to contact me and send my a letter stating information they have given me.. Basically that they can not stop the people or person of anybody basically from getting make into or my account if they can provide the information that they are asked for and since the thieves have everything they ask i can not be protected. Im trying to get a new SS NUmber to save me from this ...
Consumer complaint received 2020-01-11
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: JPMORGAN CHASE & CO. (MA)

My wife opened a chase bank credit card a few years ago. A year ago she added me as a " user '' and I received a card in the mail with the exact credit card number. I recently viewed my credit report and noticed that Chase Bank had added that account to my credit report. Therefore, my credit utilization is much higher and one credit card balance is on two credit reports. My major concern is that we never gave Chase my social security number. And I was quite concerned that somehow Chase was able to access it. My understanding from online research is that this is prohibited. I just wanted to report Chase ' using this practice. And possibly get an answer as to this practice is legal. 
Thank you.
Consumer complaint received 2020-01-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

A few days before I was to close on this mortgage refinance the loan estimate dated XX/XX/20 showed be receiving about {$250.00} at closing. I then got a loan estimate on XX/XX/20 and the numbers were changed and loandepot wanted about {$1300.00} from me.
Consumer complaint received 2022-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (PA)

Harassed by a debt collector whom I have no knowledge of owing a debt to, this company has my personals consumer information without my written permission and my rights as a consumer have been violated. Please Cease an Desist all collection activity with this account, and do not contact me further.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

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 2020-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

Rushmore Loan Management Services are currently servicing my mortgage loan on behalf of the loan investors and XXXX XXXX is the loss mitigation officer in charge of my loan. The week prior to XXXX I contacted Rushore to speak to them about a payment agreement to allow me to catch up with my mortgage payments ; I did not wish to modify my loan because my current mortgage loan rate is very very good! In XXXX I mailed to Rushmore a mortgage payment less than the monthly loan payment because there was an unapplied balance. The check was returned to me ; I attempted to mail another check with the full monthly payment and that check was also returned to me. When I called to start a payment plan with XXXX, we reviewed my current wages and monthly obligations, initially there was not enough income available to process a payment plan ; at that time I said that I may have some additional income if I were to withdraw from my XXXX plan with a penalty. The plan was discussed with XXXX who told me she would present it to the investors and get back to me by the tuesday before XXXX ; I never received a call from her or any paperwork regarding the loan payment plan ; at that time I mailed a loan payment worth 2 monthly payments in order to begin catching up ; I have mailed another payment equal to a monthly payment plus more ; both checks were cashed ; XXXX said that I should modify ; I refused to modify because my new loan rate w/b XXXX higher than my current mtg rate making mtg payments impossible for me to pay! 
on XX/XX/XXXX I received a letter from XXXX ( see attached ) saying that I defaulted on my payment plan! Which payment plan? I never received any paperwork from her ragarding said " payment plan '' ; one of the bullet points says that the payment that was due XX/XX/XXXX was not met! I did not even call Rushmore to talk about a payment plan until XX/XX/XXXX! Actually there are a number of points on the letter that dont even apply to my situation as none of the bullets point are really marked! none of the points really apply to me!
Consumer complaint received 2020-01-10
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MA)

I made a XXXX page ( for adoption with partner/fiance ) never done it before, not thinking correct someone said they could help me out said they were going to send me a check to my XXXX and all I have to do is print it out and mobile deposit it to my bank account so me not knowing considering I have never even done this or heard of this before I did it. I couldn't pay my rent, landlord, credit card bills, XXXX bills national grid bill plus all on top of that they took my debit / XXXX bank card from XXXX XXXX away because they have to do all that just in case. Me not knowing I never did this before so they took my debit card away for a month I was and still am backed up on bills. That is crazy come to find out it's multiple people sending fraudulent checks and getting the recipients to look like it's all their fault because we mobile deposited it. I didn't even know you could do that I never did this before I thought someone was actually being nice and helping my fiance and I out. Nope it screwed me I'm still screwed I'm still backed up on bills I had to apply for a new bank just because my account was so backed up this is not fair. The check was supposed to be for {$400.00}, I go to check it it says {$1200.00} they said okay just mobile deposit it once it clears send me the rest of the money back. Clearly wasn't thinking right because nobody has ever scammed me before but it happened and I'm sure they have bank account numbers hopefully not my social or anything of that kind. Please do something about this because I am in debt because of this! I even wrote to Chase Bank it was a JPMorgan check. 

XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (PA)

I found out my information was leaked to the dark web and I start noticing accounts on my credit I did not recognize and and now they are in collections I reached out to the creditor and I disputed the account and they refused to remove it. I have also filed a police report for the identity thief.
Consumer complaint received 2020-01-03
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. (GA)

I asked XXXX to investigate and not verify the account information with XXXX and XXXX XXXX which is Fraud/identity theft. I sent in a dispute via postal mail back in XX/XX/2019 with the identify theft affidavit along with a copy of my credit report, drivers license and passport. This information is still on my credit report when it should be removed due to identity theft. I also submitted a dispute online and received an immediate repsonse that they dont have to investigate my issue. I am disputing an account opened with XXXX and XXXX XXXX not the information on/in the account but the account itself. TransUnion is verifying the spelling of my name, ss, etc in their system matches what XXXX and XXXX XXXX has doesn't mean anything, of course it matches, they get the info from XXXX and XXXX XXXX every month. this is all ignoring the courts definition of verify / verification and who can do it and whats admissable.. sure, they arent in court but they can be and Id like to see those verification make it in. Pls remove both accounts immediately.
Consumer complaint received 2020-01-10
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. (TX)

inquires part of my ftc that i sent already need the inquires to come off the dealership shot my credit all over the place without my permission XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$630.00} XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXXXXXX Balance {$4500.00} XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX 2021 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXXXXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX ) XXXX Balance {$950.00} XXXX XXXX XXXX : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX XXXX : XXXX XXXX, 2021 XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, 2021.
Consumer complaint received 2020-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

I used XXXX XXXX ( XXXX ) for an XXXX  problem back in the summer .I was billed {$680.00} and let them know that I was paying {$200.00} installments. They were ok with it. After I paid it off I received a letter from a collection agency CMRE that I owe {$280.00}. I called them and talked to a representative called XXXX and asked me to send my bank statements to prove it. That was XX/XX/2019. She told me I would receive a payoff statement. I have not received that payoff statement yet. The funds have cleared my account and there is no reason for me not to have received my payoff statement after 2 weeks.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I appreciate your time to REMOVED some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have remaining items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an FTC REPORT # XXXX. Ive already included these remaining items in my previous letter & I am including it here again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

Hello. Venmo informed me on XX/XX/2022 that my account " has been frozen due to recent activity that triggered some security alerts. '' The email did not say I needed to do anything to unfreeze the account, so I assumed I could access my account with a password change. 

When that did not work, I emailed Venmo 's customer service email with the issue on XX/XX/2022. They replied that my request has to be forwarded to another team, and " they will follow up with you here, via email in 7 business days to 2 weeks. '' I told them that timeline was not acceptable and that I have funds in my account that I need access to. 

When I did not receive a response, I called customer service. I explained my issue, but they insisted there was nothing they could do and I would have to wait for this other team to email me. They told me my lawyers could contact them and hung up. 

I note that their user agreement says nothing about this time period. 

Locking up people 's money around the holidays with no recourse for them to access it is appalling. I understand the security measures, but there should be a way to timely address this.
Consumer complaint received 2020-01-10
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. (CO)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( XXXX ) days past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a transaction history on this account and it clearly shows that I have never missed a payment. More importantly, this transaction history shows that monthly payments were made PRIOR to the late fees being assessed. There is a consistent pattern of late fees being charged AFTER a payment was made! This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have contacted the bank and the ( 3 ) bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2023-06-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX