davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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)

This is my 2nd 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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10
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: EQUIFAX, INC. (IL)

Ive made previous complaints with you about this world acceptance account reporting on my credit report. You guys couldnt have been following the procedures of following up with the furnisher because I asked world finance directly and they have sent me a letter which Im attaching to this complaint stating that they did NOT chargeoff this account!! They said they sold the account and no longer have any information on the account. So If they dont have any information on the account and didnt charge the said account off that means that you guys are reporting this account inaccurately and are violationg 15 USC 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

My husband and I have been out of work during the entire pandemic. We have been on unemployment since XXXX / XX/XX/XXXX. We had made some house payments, then missed some .. got quite behind so our son assisted and gave us funds to play catch up. We paid {$4500.00} in XX/XX/XXXX towards late payments and caught up. Again, with only unemployment funds, we got behind again. We applied for Mortgage Assistance in late XX/XX/XXXX early XX/XX/XXXX and after 30 days got denied since we just had mortgage assistance in XXXX / XX/XX/XXXX. 

After being denied .. they gave us an option " Deed in Lieu '' or full payment of lapsed mortgage payments. I reached out for help and in turn was blessed with someone to help us. We got together {$17000.00} to pay for XX/XX/XXXX THRU XX/XX/XXXX mortgage payments and even had a little extra to go towards XX/XX/XXXX payment. I sent it in with the mortgage statement I had received of what was due ... Our income ratio at the time of applying was very low and couldn't be accepted. 

Almost 30 days later I got our check back in the mail with a note that stated they could not accept the payment unless it payment was " in full '' .. I was bewildered XXXX what do you mean " in full '' I paid that and then some ... So I got on the phone with Fay Servicing , LLC ( new Investor who took over our mortgage recently from XXXX XXXX Loans ) to inquire why they didn't accept our check. 

I was told that my payment wasn't " in full '' that I owed " borrowed Escrow '' if you will of {$4200.00} PLUS Attorney 's Fee 's for the beginning of Foreclosure process ( in which those fees she could NOT disclose as she didn't have them. I was told she submitted a request for them but would not get them back for ONE WEEK and would send me a copy then ... WHAT?? ONE WEEK to get an amount from an Attorney for fees that I was supposedly being charged for a Foreclosure that was supposedly in process already???? 

I asked .. can't you just take the {$17000.00} and apply it to our payments and we can then spread out the {$4200.00} ( borrowed Escrow ) over a period of time? She said NO, it's already going to the Foreclosure process. I was like " seriously '' with this pandemic causing so much heartache and grief for so many and the loss of income to so many PLUS ( my husband 's unemployment has been LOCKED up since XX/XX/XXXX .. and he is receiving NOTHING and can't get answer from anyone )! We don't have the means right now to come up with an additional {$4300.00} PLUS whatever $ $ $ the attorney decides to throw at us ( after a WEEK to decide to get it to us ) ... this is INSANE!! 

My husband may finally have an opportunity to work ( we are pending a decision ) but this is soooo soooo sad that mortgage companies are willing to SEND BACK a PAYMENT of {$17000.00} and push to foreclose on your home!!!!
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (MD)

This complaint is about my efforts to return three ( 3 ) of the four ( 4 ) pair of boots purchased for my daughter at a Lane Bryant in XXXX XXXX, XXXX, MD. My daughter decided to keep one pair of boots and I attempted to return three ( 3 ) pair of boots. This store no longer exist in the stated location. 

The store location in which I attempted to return the boots purchased would not accept the boots for return for the stated reason that they were not in a box. Two ( 2 ) pair of boots/shoes were not in a box when purchased. I had a receipt and the attempted return was made within the time allowed. 

Three ( 3 ) pair of boots I purchased for my daughter were too small so I initially attempted to return the boots to a location other than the one where the purchased was made. The store location in which I attempted to return the boots purchased would not accept the return because they were not in the original box. I explained to the then store manager that the boots were not sold to me in a box. 

I went back to the original store where the purchase was initially made in my efforts to initiate the return. However, by that time, I could not locate my receipt and the store manager at this location could not find the purchase in their records. The purchase was made using a Lane Bryant stores credit card. The style number of the boots I purchased and are still awaiting return to Lane Bryant are included below. When I purchased the boots, they were on sale.
Consumer complaint received 2021-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2021 I sent in a dispute letter to Transunion LLC to verify some accounts on my report. I sent the disputes certified mail with return receipt, which they signed on XX/XX/XXXX. I had not received a response, so on XX/XX/2021 I sent in a second letter stating that they did not respond to my dispute and did not investigate my accounts. This was also sent certified mail with return receipt, signed on XX/XX/2021. On XX/XX/2021 they responded with a letter saying they were unable to locate my credit report dispute and that they were unable to locate a credit report for me. I do have a credit report with Transunion LLC as I could see it on different companies that supply a credit report and I do have accounts that are open that I know are reporting to Transunion LLC.
Consumer complaint received 2020-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2020, I purchased a XXXX 100 oz silver bar in the amount of {$1900.00}. My purchase was paid with PAYPAL Credit account. I received the silver bar on XX/XX/2020. While inspecting my purchase there were defects with the silver bar. The silver bar had dents and scratches on the metal. I contacted PAYPAL.COM and was directed to contact the merchant, XXXX, first. I opened a complaint/dispute with PAYPAL.COM, at their direction, until I resolve my transaction with the merchant. PAYPAL.COM placed a temporary credit for the amount, {$1900.00}, until resolve my transaction with the merchant. 
On XX/XX/2020, I contacted XXXX, and informed them about the condition of the metal. I informed that I would like to return the metal. 
Thereafter, XXXX sent me a XXXX PREPAID return label vial email. Their executive company is located in XXXX, Texas. Their Vault/Warehouse, where the metals are stored, at their fulfillment Center is XXXX XXXX. I went to a XXXX  on XX/XX/2020 with the package, and was informed that it would be received by the merchant by XX/XX/2020. I received confirmation that the it was received. Thereafter, XXXX refunded my PAYPAL CREDIT ACCOUNT for the amount of the of {$1900.00}, the purchased amount on XX/XX/2020. 
I contacted PAYPAL.COM, which is different from PAYPAL CREDIT, that the refund was placed on my credit account. 
I have been contacting PAYPAL.COM, informing them that my refund was applied to my PAYPAL CREDIT. PAYPAL.COM is not acknowledging all the documents of receipt I have sent them. They state that the merchant stated that I did not return the package and the the merchant did not provide the refund, which they did. I have sent all documents from the merchant, XXXX of their receipt and PAYPAL CREDIT that indeed merchant refunded me the credit. 
This has been going on with PAYPAL.COM for the last 2 months and they want me to pay the {$1900.00} to my PAYPAL.COM which they are not credit account just an online service. 
I will attach the documents that I have provided to PAYPAL.COM confirming my return and refund provided by XXXX to my my PAYPAL CREDIT. 
I feel that PAYPAL.COM is giving me unnecessary stress. I am retired, and can not afford to loose money that belongs to me. 
Thank you for your assistance. 
XXXX XXXX XXXX
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/20 I ordered a " bill pay '' from the bank of america website. This order shows a completion date of XX/XX/20 or in their words " processed. Now on XX/XX/20 nothing has been removed from my account, the balance is the same. The order is designated cfm # XXXX in the amount of {$840.00}. Also cfm # XXXX and cfm # XXXX. None have been completed. I wish to close this account with no penalties or fees and the bank is dragging its feet. There is also the matter of {$3000.00} in a credit card account they haven't released. I thought the CFPB was formed to regulate these thieves. You have a long way to go.
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (NJ)

XXXX XXXX is attempting to collect a debt on XXXX behalf which is actually no longer XXXX but XXXX. XXXX first claimed that On XX/XX/XXXX, The Company formally known as XXXX now XXXX placed the account in their office to collect a balance of {$73.00} on XXXX XXXX behalf. It was later found out in an investigation done by Equifax that was false. XXXX waived this fee back in XXXX of XXXX as part of their Keep Americans connected pledge. XXXX officially went out of business on XX/XX/XXXX and XXXX took over. XXXX is unable to find a delinquency because there is none. XXXX illegally accessed my information XXXX did not assign this to them on XX/XX/XXXX. XXXX cant even find a negative balance because there is none. This was right at the start of Covid-19 and was waived by XXXX in response to Covid.
Consumer complaint received 2023-01-05
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was granted a loan modification but its a little to high to pay and I don't want to be in this same situation ever again. The trial period mortgage payment is {$720.00}. With this payment, I may end up back in this same position. I am asking for the proposed payment be reduced by $ XXXX {$150.00}.
Consumer complaint received 2023-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (NJ)

This company send me letters ( most recently on XX/XX/2023 ) claiming that I owe {$110.00} to their client XXXX XXXX. However, they refuse to provide any proof that I owe the money or to support their claim with any facts. I informed them that I have not used services of their client and do now owe them anything. Yet they continue to demand payment. The representatives in their phone center are rude and refuse to stop collection or to provide any facts.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have accounts and loans that are incorrect and some false on my credit report. I have addresses that are wrong and are on my credit e history. I have accounts and information that are fraudulent and are still on my credit report. I have not authorized any company to give out my information. I have disputed and reached out to these credit bureaus but have not have it removed. This is defamation of character and I can not financially take care of my family due to lack of funds and trust from lenders.
Consumer complaint received 2023-01-05
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. (IL)

I have accounts and loans that are incorrect and some false on my credit report. I have addresses that are wrong and are on my credit e history. I have accounts and information that are fraudulent and are still on my credit report. I have not authorized any company to give out my information. I have disputed and reached out to these credit bureaus but have not have it removed. This is defamation of character and I can not financially take care of my family due to lack of funds and trust from lenders.
Consumer complaint received 2023-01-05
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: V.I.P. MORTGAGE, INC. (AZ)

Vip mortgage XXXX Arizona is denying a mother who is XXXX XXXX and her children who are XXXX   XXXX a loan. They are stating the mother can't use her childrens awards letters as household income because she isn't the payee yet the children are her kin and the children are drawing from her social security. They all curently and have always lived in the same household. The mother is the primary caretaker. The father who would not be on the loan who is the PAYEE for all three and has no income due to fmla leave because of covid was told he has to be on the loan. Social security states a payee should not be on the loan even but vip mortgage in XXXX states i have to be. Social security specifies that a payee can use funds for the recipients to have a mortage. I belive they are looking at abilty to sell the loan later and denying it because it is an all social security. The mother has an 800 plus credit score, 25 % down, reserves, and no debt with a debt to income below 50 %.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  and account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-05
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX XXXX Executive Correspondence Advisor Office of the President Kohls Department Stores Re : Kohls Charge Account ending in XXXX Kohls Case : XXXX CFPB Case : XXXX In regards to your response XX/XX/2020. I'm a have to disagree with your letter because I didn't open the Kohl 's Charge account mentioned above and of course it's going to be the same personal information provided if my personal information was obtained during the identity theft stage but it doesn't apply to me opening the account, I even sent you supportive documentation showing that I was XXXX  during the time period the account was opened in my name and you failed to provide the proper documentation that I requested, you provided statements that I'm not familiar with so therefore I trust the information provided didn't address my concerns. So looks like I will be proceeding with legal action because you didn't provide the following listed below. 

Agreement with your client that grants you the authority to collect on this alleged debt. 

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 

Any insurance claims been made by any creditor regarding this account. 

Any Judgments obtained by any creditor regarding this account. 

Name and address of alleged creditor. 
Name on file of alleged debtor. 

Alleged account number. 
Address on file for alleged debtor. 

Amount of alleged debt. 

Date this alleged debt became payable. 

Date of original charge off or delinquency. 

Verification thatthis debt was assigned or sold to collector. 

Complete accounting of alleged debt. 

Commission for debt collector if collection efforts are successful.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my credit report and noticed several accounts that do not belong to XXXX Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 


n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 an 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 2020-03-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Selip & Stylianou, LLP (NY)

I recieved an income execution letter from attorneys of XXXX XXXX XXXX XXXX, about a debt from XX/XX/2008 for XXXX XXXX interest, I firmly believe this is not my debt and that this is a case of 'debt tagging ' because of my common name. I immediately sent a cease and desist letter to all parties involved via certified mail with return receipts only to recieve an email from my employer stating they recieved said income execution letter to instruct my employer to garnish my paycheck. This is XXXX and I stress again that this is not my debt. Can you please assist me? This has distressed me greatly. I don't know what to do.