davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (MO)

I have a person who XXXX for me that now owes someone money and it has been given to Transworld Systems Inc for collection. XXXX XXXX XXXX, XXXX Delaware XXXX, phone XXXX ( the number their calling from for collection on a XXXX XXXX ). I am not him, I am his former XXXX and I XXXX him for cause a while back. They are calling me on my personal and business phone trying to get him or information on him. I have repeatedly asked them not to call me, we do not give private information out on both XXXX and XXXX XXXX. They are disrupting my XXXX, they will not stop calling and if I block the number they call from another one. I am being harassed, I am not this guy and they have to know this because I will bet they got it off a form that said XXXX or reference for the debt their trying to collect on., -- when I tried to find out who they were by calling them back they gave me this number XXXX. I am not even the guy that owes them money only he listed my number on something as a reference and they will not stop calling me after repeated attempt of me explaining that I am not him and please stop calling. They are disrupting my XXXX. I am a very XXXX XXXX XXXX XXXX, and I am at the counter talking to customers when they call most of the time
Consumer complaint received 2020-03-11
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. (FL)

Recently checked my credit and noticed multiple accounts that I have never seen before. None of these accounts are recognizable nor did I ever authorize them to extend me credit. I believe someone used my identity to obtain credit and now my credit is suffering tremendously because of it.
Consumer complaint received 2019-11-26
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. (MI)

I am writing this due to the non compliance of ( XXXX, equifax, XXXX ). They have failed to remove information that I have challenged in the past and I strongly believe they are in violation of the FCRA and they are outright not upholding the law.
Consumer complaint received 2023-01-17
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)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhere is some inaccurate information reporting. 
XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX
Consumer complaint received 2021-03-12
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: EQUIFAX, INC. (NY)

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 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (VA)

I recently received mail from Discover stating that I owe a balance and I want to dispute this claim because Ive been out of state for over a year and I also have a letter from a former employer stating that my personal information has been compromised, I also dont live at that address that they have on file as well so I want to dispute the fees that they are stating in the letter that I received. I havent use my card in almost a year. As I mentioned, my personal information was compromise, and I believe somebody has been using my credit cards, which is fraudulent activity.
Consumer complaint received 2023-01-17
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. (KS)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} ; XXXX XXXX XXXX XXXXginal Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance XXXX {$5700.00} ; XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (KY)

On XX/XX/XXXX I concluded mediation with Wells Fargo Bank via phone with a mediator who has had 43 years of experience as an attorney in XXXX XXXX. On XX/XX/XXXX, I signed a Mediation Proposal agreed upon by Wells Fargo Bank and myself for the sum of {$2200.00} as full and final settlement. I was to receive a check in this amount plus taxes from Wells Fargo within 21 days according to the mediator. That date would have been XX/XX/XXXX. But as of today, XX/XX/XXXX, I have NOT received the above amount by check and have been given the excuse that the " system '' of the Mediation Office in XXXX, OR, is down. I asked ( on XX/XX/XXXX ) the Mediation representative at Wells Fargo, the woman who has worked on my claim since XXXX, XXXX, when this " system went down, '' she stated that it was a week ago. That would NOT have had any bearing on this proposal agreement. IF Wells Fargo had sent my check on time as agreed in Mediation, it should have been on its way before the " system '' went down.
Consumer complaint received 2023-01-17
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 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-17
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-17
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. (MS)

Hi, I would like to start off with the simple fact I am XXXX XXXX XXXX as of the XXXX Day of XXXX. I looked at my credit report only to find that someone has submitted applications for credit in my name though multiple lenders. These inquires are not mines. This is fraud! This is very frustrating and Im extremely livid about this. These are the dates of which the crimes were committed.
Consumer complaint received 2023-01-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I have lived in my home for XXXX  years. My loan was acquired by Carrington Mortgage Services , LLC from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Prior to that my loan was with XXXX XXXX XXXX. In XXXX, I became past due and applied for a loan modification but was denied. In order to save my home, I filed for XXXX  XXXX Bankruptcy. Over the last 6 years I have sent payments to the trustee for the arrearage balance and sent payments to the lenders for the current balance. The payments were not being applied properly and there are discrepancies in the amounts the lender says I owe on the current and arrearage balance. The lender filed a motion on XX/XX/XXXX to be removed from bankruptcy indicating I was in default {$540000.00}. On XX/XX/XXXX the lender was granted a lift stay to be removed from bankruptcy. I was still under bankruptcy and continued to send trustee payments. I have paid over {$21000.00} to the trustee since XX/XX/XXXX. The mortgage company accepted XXXX payment and per the trustee and has refused to accept {$19000.00}. The trustee filed a motion to disallow the mortgage company for refusing the funds. I have disputed the amount the lender says I'm in default and per their request, my attorney and I have provided proof of payments on multiple occasions, sending in copies of bank statements, ledgers and other supporting documents. I attempted to get help with XXXX to get a lower interest rate and affordable payment, but the Carrington denied indicating, I didn't qualify. I later learned from the Trustee that any modifications or changes to the loan had to be approved and signed off by the judge. I am currently working with the XXXX XXXX XXXX XXXX  to bring my mortgage current as they have a {$20000.00} XXXX XXXX XXXX and a {$40000.00} no interest rate loan. My entire XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need an audit and history of the billing and payments received and applied to each of the mortgage lenders that have serviced the loan over the last 7 years.
Consumer complaint received 2020-03-11
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Im filing a complaint against Bank of America, I lost my phone, debit card, wallet and license, and someone was able to use this information and fraudulent charge {$4800.00}, I have spoken to higher ups in the claims department and all I get is the runaround, Ive been a customer for about 13, years, I gave them all my information and even wrote a letter, every time I call they say they are gon na issue me credit and take care of it on the day I call and never do, why lie to your customers. Imagine this, Im not working, I come home to my cable being shut off, and ui being turned off, I had an XXXX person living with me and had to move her to my uncles house and had to borrow some money from family members, and last but not least imagine having to money foXXXX XXXX dinner and having to go to families house cause theres no money for groceries. If there is anyone out there that can help me to get this money back it will be greatly appreciated, I filed with the XXXX and attorney general, I hope Bank of America sees this and credit my account, this is so wrong.
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (DE)

I have reached out Shellpoint Mortgage Services several times in reference to account number ( # XXXX ) request the late payments from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX forbearance period. Be removed from my credit report. Theses late payments were during the Covid 19 Pandemic and as per the CARES ACT should have not been reported as late. Please remove late payments from XX/XX/XXXX to XXXX XXXX. Please update my report to reflect accurate information.
Consumer complaint received 2020-03-11
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-05-17
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: Westlake Services, LLC (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. under USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-24
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: CCS Financial Services, Inc. (OH)

Attached is a check as proof I paid a debt that is being improperly reported for almost 2 years that I still owe {$110.00}, which is an incorrect amount. Credit collection service refuses to correct this mistake and continues to report as unpaid debt.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX 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 instruction 15 U.S.C 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 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX//2023 using XXXX Banks app XXXX wire transferred {$5000.00}. In order to process this transaction I first had to call XXXX and request an Activation Code. In order to get an Activation Code I had to first answer a slew of security questions. Once approved I was given the code and completed my online transaction. Today I was notified by the bank that they cancelled my transaction for security reasons. I once again had to answer questions and once again passed their security procedures. They informed me I woukd hade to resubmit the wire transfer. When I tried I noticed Chase Bank did not return my money and wire transfer fees into my account. I called and was I formed they would not return my funds for up to three business days. It is unfair for them to hold my funds and prevent me from doing my business. Why do banks get to step in and stop a transaction and keep our money?
Consumer complaint received 2023-01-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC (IN)

I had a payday loan and was in the repayment process. I was on payment 3. My payment was due on Sunday XX/XX/XXXX. This establishment is closed on Sundays. I went into the store on Monday after work and was told my check was already deposited. The girl said they '' tried to call me numerous times today. '' I was at work and had no access to my phone. I looked at my phone after leaving the store and saw they tried calling me once at XXXX and then again at around XXXX.
Consumer complaint received 2023-01-17
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. (TX)

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX