davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Initiated a dispute with Equifax, via confirmation # XXXX, regarding a fraudulent item appearing on credit report as a victim of identity theft 42 U.S.C. 408a ( 8 ), florida statute 817.568, of an unrecognized claimant referred to as XXXX XXXX XXXX of a 15 U.S. Code 1692e counterfeit security of an account number XXXX for an defective claim to an alleged amount of {$130.00}. Made efforts to obtain information from both XX/XX/2020 and, Date : XX/XX/2020, XX/XX/2020 claimant XXXX XXXX and EQUIFAX credit reporting agency to validate alleged debt. XXXX XXXX XXXX refused to provide any information other than an old copy of an application they might of retrieved by hacking into a XXXX XXXX XXXX computer system, without any mention to how they had acquired my personal identifying information without my consent, nor any proof of their right, or how they acquired such right, under penalty and perjury, 15 USC 1692j, to use my name and identifying information, intellectual property, 15 U.S. Code 1125, to collect anything from me. I disputed the item several times with Equifax per 15 U.S. Code 1681g- 609 - a1 ( A ) who never provided me my right to full disclosure of the file to include any agreement between me and XXXX  XXXX XXXX to validate the alleged obligation and Equifax has refused to comply to remove or block the item that is injurious to my ability obtain credit. Since then Ive been denied credit cards and a mortgage. Equifax has conspired with XXXX XXXX XXXX 18 U.S.C. 241 and 242 to deprive me of my right as a natural person/consumer to XXXX credit ) defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. The credit discrimination received as a result of character assassination is further a restraint of trade caused by both parties is a breach of trust per 15 U.S.C 1 and an injury to me as an original creditor. I have also provided Equifax with an FTC identity theft report against the claimant and it was, 15 U.S. Code 1681c2, ignored per confirmation # XXXX without full disclosure. Neither party will comply with FCRA. This is emotionally distressing that neither will cooperate to provide accurate and complete information 15 U.S. Code 1681e ( b ). 15 U.S. Code 1681i As I have disputed the completeness ( lacking proof of claim for use my valuable personal data or contractual agreement between me and claimant ) Both Equifax and XXXX XXXX XXXX has mismanaged my personal data and continues to injure me without remedy.
Consumer complaint received 2023-01-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (HI)

Hello I sent money to my sick friend in the XXXX, the company XXXX insisted the money is in my receiver 's account but it did not go through. XXXX would not refund me XXXX XXXX Please help.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as inaccurate.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as inaccurate.
Consumer complaint received 2020-08-12
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)

Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as inaccurate.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Chexsystems reported a negative review for an incorrect amount owed to XXXX XXXX which caused a decline to open a checking account. Chexsystems nor XXXX XXXX notified me of this reported amount per the fair credit reporting act.
Consumer complaint received 2020-06-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Recovery Services, Inc. (TX)

Financial Recovery Services , Inc. is trying to collect an old debt. They are trying to use intimidating tactics such as threatening to use a law firm to come after me for the debt. This letter was dated XX/XX/XXXX. They claim that I owe a charged-off debt from XXXX XXXX  in the amount of {$4500.00}. The amount was charged off on XX/XX/XXXX. This debt collector continues to hit my credit monthly and it is ruining my credit score. I have sent them a letter to ask for documentation from the original creditor of the debt I owe but haven't received anything yet.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (IL)

I am writing to dispute fraudulent activity on my credit report due to identity theft. Upon reviewing my credit report, I have discovered accounts and transactions that I did not authorize or initiate. It is evident that my personal information has been compromised, and I request your immediate assistance in resolving this matter.
Consumer complaint received 2020-08-12
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)

Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as inaccurate.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED, USDOE/XXXX.
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TN)

I received a call from Jefferson Capital Systems, the agent asked me to verify my name. I told her if the call was an attempt to collect a debt to please communicate with me thru mail only. She hung up on me. I never received mail from this company and now the account is on my credit reports. 

The account is listed as a collections debt with original creditor XXXX   XXXX  and I feel I was not given the opportunity verify the account as mines and I am not aware of the original creditor. This is why I asked the collection agency to contact me via mailbso I would have the information I needed to assure this debt is indeed mine. 


The balance is showing at {$350.00}
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/2020, TD Bank opened a XXXX credit card in my name with a {$4200.00} credit limit. I never applied for a card, never used this card and never will use this card. I have tried to call XXXX XXXX ( TD Bank ) at least 20 times, have waited on hold over an hour each time, and ultimately disconnected the call due to no answer by the bank. The bank offers no other mode of communication ( mail, email, etc. ). The chat functionality on TD Bank 's website just shows no internet connection and does not work. Their level of consumer support is deplorable and I am wondering if they are taking the same approach as XXXX XXXX did in setting up accounts without a consumer application or knowledge. I need this account closed immediately and proper notations made to my XXXX.
Consumer complaint received 2020-08-12
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: Onity Group Inc. (CA)

Despite the multiple previous written requests, the unverified items still remains on my credit report in violation of Federal Law. They failed to MOV and failure to POLP within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor the credit bureaus, as willful non-compliance. Ocwen Loan Servicing XXXX Open Date XX/XX/2005 Balance {$0.00}
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (WI)

I am disputing my two late payments reported on my credit. The finance company reject a payment XX/XX/2020 from XXXX  company that was paying it off. I am disputing my two late payments reported on my credit. The finance company reject a payment XX/XX/2020 due to covid-19 and another payment was than submitted again on XX/XX/2020. I contacted them monthly and was advised to not make a payment as they received a payment but it was not processed to follow up in a few weeks. I made two calls per month to attempt and resolve this matter. I did not want any negative reporting to my credit I was proactive and am shocked they still reported negative when I have attempted to make payments. I would like have my supported documents reviewed I see that the fiance company would process payments and reverse them I am not sure why. With my two gap policy and insurance company XXXX didnt have any balance. I did not miss any payments prior to this.
Consumer complaint received 2020-08-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MS)

To Whom It May Concern : This year my house went into foreclosure. I found out after my house insurance company reached out to me. I never received a letter or documentation stating the house had gone into foreclosure. 

I had made at least 4 back payments prior to the house going into foreclosure. The mortage company would not honor the payment. 

As stated previous, I never received any paper work/documents in regards to the home as being foreclosed. 

I moved out the home in XX/XX/XXXX. I had a tentant in the home from XX/XX/XXXX to XX/XX/XXXX, The home was vacant as of XXXX. The home is in XXXX XXXX XXXX.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: COLLECTION BUREAU INCORPORATED (CA)

I contacted this company via XXXX because of an error on my report. The account is resolved but yet it is still reporte only to find The company is CLOSED and the agency CBI will NOT release the error from my report. XXXX XXXX has confirm the amount as XXXX and should be removed however it is being being report by CBI According to FCRA it is error and should be deleted from my report. They can verify the account because the business CLOSED and XXXX XXXX has not authorized the release because of the absence of receiveing a response from a company whom is CLOSED for business confirmed via the XXXX. See below. 

XXXX RE : Complaint ID # XXXX Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX  serving the XXXX XXXX ( XXXX  ) for assistance with resolving your dispute regarding XXXX XXXX XXXX XXXX. 
A copy of your correspondence was forwarded to the company ; however, XXXX  was unsuccessful in reaching the company for a response due to one of the following reasons : The company has confirmed to be out of business The company is believed to be out of business The company can not be located At this time, XXXX  regrets to inform you that we can be of no further assistance. If you wish to pursue this matter further, you may try contacting your local Attorney General 's office or the Bankruptcy Court. 
The company 's XXXX  Business Review has been recently updated and is available online at XXXX, or by calling. 
XXXX appreciates that you took the time to contact us. Your experience with the company will be kept in XXXX  files for three years as part of this company 's record. 
Regards, Your XXXX XXXX XXXX
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

I was an existing Chase credit card customer, and opened a checking account online on XX/XX/2020. I transferred {$1200.00} into the new Chase account from my other bank account. But two days later I was locked out of my online banking. I called Chase and was told that my checking account was closed. However, my {$1200.00} deposit was not returned to me.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MECHANICS BANK (TX)

In XXXX of XXXX, I paid my auto loan account off that was held by XXXX XXXX. Upon completing a home loan application in XXXX of XXXX, I was denied due to a derogatory charge off account on my credit report. Upon review, I discovered that my paid in full account for XXXX XXXX  was being reported as a charge off and not as a satisfactory paid in full account as agreed upon with XXXX XXXX. I have contacted the company several times to get this issue rectified to no avail. My final email was forwarded to the company on XX/XX/XXXX and no one at XXXX XXXX is willing to assist with this erroneous information being reported on my credit report. I have a clear title to my vehicle and XXXX XXXX has failed to uphold to the agreement.
Consumer complaint received 2022-11-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hollis Cobb Associates (GA)

On XX/XX/XXXX, I had XXXX XXXX performed by XXXX XXXX XXXX XXXX XXXX XXXX I NEVER received a billing statement, phone call or voicemail regarding a bill that I owed. On XX/XX/XXXX I received 4 billing statements from Patient Accounts Bureau which is a collection agency for the XXXX XXXX XXXX XXXX XXXX XXXX I called my insurance company XXXX XXXX XXXX XXXX to ask if they could reach out to XXXX XXXX of XXXX XXXX XXXX XXXX ) XXXX on the three way recorded line. My health insurance representative, XXXX, ( ref # XXXX ) made contact with XXXX XXXX supervisor ) with myself on the phone. XXXX advised that a billing statement was mailed to me on XX/XX/XXXX and XX/XX/XXXX. She also advised that phone calls were made to me on XX/XX/XXXX, and XXXX. I advised XXXX that I NEVER recieved a billing statement or voicemail regarding the medical bill. I also advised that I had just had my services XX/XX/XXXX and questioned why was the bill sent out 20 days later and phone calls to collect payment without giving the insurance ample time to pay or the bill to settle. XXXX said she didnt have an answer to my question. XXXX advised that my account was still in their possession. I asked XXXX why was a collection agency ringing my phone for a debt that I do not owe them and they still have my account. I also asked how did they expect me to know I owed them money if they sent out only 2 bills ( that i never got ) and the last one was in XX/XX/XXXX and it was XX/XX/XXXX? I was never afforded the opportunity to pay or make arrangements to XXXX XXXX XXXX XXXX XXXX before being sent to collections. This impacts my credit. I read the reviews for XXXX XXXX and there were more than dozen of others with the same claim that I was experiencing. After XXXX advised that they still had my account, I thought Great, but I need to set up a payment agreement. She advised that I had to pay the whole amount by XX/XX/XXXX, or the account would be with Patient Accounts. I also submitted a complaint to the XXXX XXXX XXXX but no response. Again, I was never allowed due process by XXXX XXXX.
Consumer complaint received 2022-11-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Jet Lending Inc. (TX)

Lender is supposed to help refinance the house. I had already gone through the process and step to refinance the house back in XXXX of XXXX. I told them I wanted to move forward with the process because the value of the house exceeded the previous appraisal value back in XXXX. At the time my credit was XXXX, and another I cant remember. I was told I could get 50 or 60 % of the value. The lenders loan officer were no help on anything I asked of them. I also had money left in escrow. Now they are telling me the house went through foreclosure without notifying me and now they are saying I have to buy the house back
Consumer complaint received 2020-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

In XX/XX/2020 I had reached out to Capital one with the issue of not being able to pay my monthly bill on time due to the Covid-19 issue going on. I had been out of work for 3 weeks so money was tight. When I called them I was told my next payment of {$240.00} was due on XX/XX/XXXX. I was not able to make a payment of {$240.00} on XX/XX/XXXX but did so on XX/XX/XXXX with a payment of {$250.00} bringing my account current. My account was marked 30 days late in XXXX even after I had talked to them about pushing my payments back and still bringing my account current during that month. I reached out to the company again trying to plan with them I am a XXXX veteran trying to buy a home and because of this mishap it brought my credit scpr down over 100 points. After speaking with 2 different representatives both of them  came to the same conclusion that there was nothing they can do. Even after all of their heartfelt Covid 19 relief messages they are there for no one but their selfs.
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (PA)

They keep calling me while I am at work and I have asked them not to call me during working hours and they do not listen. They call me at least 5 - 7 times a day.
Consumer complaint received 2020-08-12
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. (WA)

Hi There, After reviewing my credit report, there is some of inaccurate information reporting on my credit profile. I have reach out to Creditor as well as 3 Credit Bureaus. And there has been no response. The Creditor sent a Transaction Report but again those transactions were not mines. I am a victim of Identity Theft. I also reached out to Credit Bureau 2 months ago almost with no response. I am asking for these item to be removed that does not belong to me.

See Attachments.

Thank you