davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
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. (NV)

In 2015 my father suffered a debilitating illness and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts withXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I request the immediateBLOCKof all identified information stated in my CFPB and FTC report. FCRA605B ( 15 USC. 1681c-2 ) a.BLOCK, states that " except as otherwise provided in this section, a consumer reporting agency shallblockthe reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alledged identity theft, not later than 4 business days after the date of receipt by such agency of- 1.proof of consumer identity ( see attachment ) 2.copy of identity report ( see attachment ) 3. identification of such information by consumer ( stated in CFPB & FTC report attached ) 4. A statement by the consumer ( stated in CFPB & FTC report attached )
Consumer complaint received 2020-03-19
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. (NV)

In 2015 my father suffered a debilitating illness and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts withXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I request the immediateBLOCKof all identified information stated in my CFPB and FTC report. FCRA605B ( 15 USC. 1681c-2 ) a.BLOCK, states that " except as otherwise provided in this section, a consumer reporting agency shallblockthe reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alledged identity theft, not later than 4 business days after the date of receipt by such agency of- 1.proof of consumer identity ( see attachment ) 2.copy of identity report ( see attachment ) 3. identification of such information by consumer ( stated in CFPB & FTC report attached ) 4. A statement by the consumer ( stated in CFPB & FTC report attached )
Consumer complaint received 2021-06-18
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. (NV)

he items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed 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.

I have also sent letters to all 3 credit bureaus XXXX, Equifax, and XXXX  over 30 days ago and have not received a reply or response. I will attach the letters that I have sent and singed with my signature. They have violated multiple laws of the United States 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.

15 U.S. Code 1692g - Validation of debts They were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I do not validate this debt.

Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION. 

THEY HAVE VIOLATED MULTIPLE RIGHTS AND LAWS
Consumer complaint received 2020-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

XXXX XXXX XXXX ( deceased ) & Executive of the Estate : XXXX XXXX XXXX with the Property XXXX XXXX XXXX XXXX, MA XXXX ; paid in full Loan # XXXX with Ditech Financial LLC ( " Ditech '' ) listed at XXXX. XXXX XXXX XXXX, IL XXXX with XXXX XXXX XXXX & XXXX XXXX XXXX 's XXXX XXXX Checking Account ending in XXXX in the amount of {$17000.00} on XX/XX/2019 after the Quitclaim Deed was recorded at XXXX County XXXX Registry of Deeds Book XXXX Page 27 on  XX/XX/2019 at XXXX. 

Ditech send the Escrow Overage Check to wrong address on file, to the heirs residing at XXXX XXXX  XXXX XXXX, MA XXXX, made payable to the deceased XXXX XXXX. The heirs notified me, XXXX XXXX, of the check and a call was made to Ditech Financial LLC concerning the error ; a stop payment placed on the check. After eight phone calls, and multiple hours of conversation, and sending over the requested documents proving acting executive of the estate and ownership of the property ; Ditech continued their dishonesty in regards to sending the final statement, note of the property paid in full, closing letter, and escrow overage check. 

Multiple times I was told by a Ditech Financial LLC customer service agent and Ditech 's supervisor on a recorded line that the check was mailed to my address on file for the property of XXXX XXXX XXXX, only to be notified an hour later that it was not mailed because more information is required. 

Ditech 's requested documents were send immediately by myself, XXXX XXXX, via email, multiple times per request. Ditech Financial LLC continued to not follow-up by any means of communication despite being told by their supervisors, that they would follow-up with this issue in a timely manner! 

Ditech Financial LLC has failed to provide any tracking information ( even when I offered to pay for certified delivery ) for the final documents and escrow check to be mailed by carrier of their choosing. Nor could Ditech Financial LLC verify that any documentation owed or checks owed were sent after the original. 

Over a dozen times I have called Ditech Financial LLC concerning this issue on both their recorded line and mine. Ditech Financial LLC has not delivered on their promises, and have since claimed bankruptcy and diverted all of their assets. I feel their intent was to never mail me the monies owed.
Consumer complaint received 2020-03-19
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. (AR)

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 saw 2 unknown accounts opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-03-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

To Whom It May Concern My name is XXXX XXXX. I purchased my house in XXXX of XXXX with an FHA Loan with a mortgage Insurance. The mortgage insurance was supposed to be for the first five years and my five years of the loan was up in XXXX of XXXX and the mortgage company should have stopped the Mortgage Insurance. I have submitted several inquiries and the first inquire they told me that once my LTV reaches the required amount and my loan goes down to {$230000.00} the mortgage insurance will be removed. Now that I have reached that amount, they are telling me the mortgage insurance is for the life of the loan. They are steeling my money and there is nothing I can do. I need your help and support to investigate and help with this matter. The law clearly says mortgage insurance for individuals who purchased their loan prior to XX/XX/XXXX is for five years. 

My mortgage Company is NewRez My loan number is Loan ID : XXXX XXXX XXXX XXXX XXXX Ct XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-19
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. (AR)

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 saw a couple of items that were opened on my name. These items are not mine. Please remove them from my credit report.
Consumer complaint received 2021-06-18
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. (NV)

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed 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. 

I have also sent letters to all 3 credit bureaus TransUnion, XXXX, and XXXX  over 30 days ago and have not received a reply or response. I will attach the letters that I have sent and singed with my signature. They have violated multiple laws of the United States 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. 

15 U.S. Code 1692g - Validation of debts They were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I do not validate this debt.

Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION. 

THEY HAVE VIOLATED MULTIPLE RIGHTS AND LAWS
Consumer complaint received 2021-06-18
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)

There are three accounts and two inquiries on my credit report that do not belong to me I have not signed or used or know what these accounst are for I need them off my credit report since they are not mine!!!! 

XXXX XXXX XXXX - Account XXXX Amt {$0.00} Date opened XX/XX/XXXX SXXXX XXXX XXXX - Account XXXX Amt {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX - Account # XXXX Amt {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX  Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2020-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX Dear XXXX, XXXX, I am responding to your regarding this debt that I was never contacted about. On my credit report it says I opened this account on XX/XX/2020 that I never opened any XXXX XXXX Account. I have not had cable in a very long time. 
I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have  already done so ), also report that the debt is disputed. Delete this account that is not mine. Also, why would you make up dates is that illegal according to the fair credit reporting act? 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (FL)

I have been enrolled in Public Service Loan Forgiveness program since XXXX and the U.S. Department of Education/Fedloans.org will not tell my how many qualifying payments I have made. I worked for the XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX as a XXXX and since XX/XX/XXXX as a XXXX XXXXXXXX XXXX, my loans are Federal Direct loans, I am in an Income-Contingent repayment plan and my employment is certified every year. I meet all of the requirements but their customer service repeatedly told me I had no qualifying payments. After my last inquiry, I emailed customer service again in XX/XX/XXXX and asked why. I received a reply that they needed to conduct a manual review but to continue making payments and they would get back to me. I finally received a " reply '' today which told me nothing.
Consumer complaint received 2020-03-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

In XX/XX/XXXX, my husband reapplied to refinance a home equity loan for {$80000.00} - he was rejected and as he and Wells Fargo argued over the rejection he refused to pay the current loan. In XX/XX/XXXX Wells Fargo foreclosed on our {$400000.00} home for {$80000.00}. After much trouble, it was reversed in XX/XX/XXXX. In the meantime, Wells Fargo seized our banking accounts ( in excess of {$100000.00} ) and our safety deposit box. After continued back and forth, we finally received a letter XX/XX/XXXX stating they would release our funds and deposit box. As of today XX/XX/XXXX, we have not received our funds. 

I am a XXXX XXXX who works with XXXX XXXX XXXX with XXXX XXXX should I contract the XXXX and can no longer work I will not have funds to cover our expenses while awaiting XXXX. I am desperate to get access to our funds. We have been in contact with a XXXX XXXX XXXX but so far no funds have been released.
Consumer complaint received 2021-06-18
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. (FL)

There are three accounts and two inquiries on my credit report that do not belong to me I have not signed or used or know what these accounst are for I need them off my credit report since they are not mine!!!! 

XXXX XXXX XXXX - Account XXXX Amt {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX - Account XXXX Amt {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX - Account # XXXX Amt {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica (AZ)

COMERICA BANK TOOK MY XXXX LOAN CHECK THEN CLOSED THE BANK ACCOUNT AND TOLD ME I WAS NOT APPROVED WITHOUT NOTICE. UPON DEPOSITING THE CHECK, I WAS ALREADY PRE APPROVED AND SUBMISSION WAS COMPLETED.
Consumer complaint received 2021-06-18
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)

There are 8 accounts on my credit report that do not belong to me in any way I have not approved signed or used these accounts on these off my credit report since they do not belong to me I have gone thru the bureaus and the furnishers and thye are not acknowleding me at all what can I do. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-06-18
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)

There are 8 accounts on my credit report that do not belong to me in any way I have not approved signed or used these accounts on these off my credit report since they do not belong to me I have gone thru the bureaus and the furnishers and thye are not acknowleding me at all what can I do. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-02-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I opened an account in XXXX on XX/XX/XXXX. I transferred XXXX to Coinbase, and I bought a virtual currency ( about XXXX Ethereum ) on XX/XX/XXXX. 

That same day I tried to transfer that virtual currency to another platform ( XXXX ) and my account was locked.XXXXI opened a support ticket, and I got an automated reply on XX/XX/XXXX. After that I got another reply on XX/XX/XXXX, saying that there were going to investigate it. It's been more than 3 weeks since that but still no answer. 

Following their instructions, I didn't open another ticket. I just replied the support email a couple of times to see if they were doing something but still no response.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am one of the people that the govt refuses to allow to be forgiveness with their federal loan regardless that I am XXXX years old and my income qualifites but they refuse and use Household income. 

I have paid XXXX so far back on the XXXX owed and XXXX ( was XXXX ) will not update the correct amount on the credit bureaus, Experian is one I show. 
It appears that I have not paid anything on the loan. It better not just apply to interest. 

Please reach out to them and I tried but they refused to let me speak to anyone there who handles credit reporting.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (OH)

I have attempted to add an authorized user to my American Express credit card. A representative from American Express informed me that the user could not be added since XXXX  could not confirm my phone number. However, American Express is well aware of my phone number as I have been a customer of 18+ years with the same number. I XXXX have been a customer before the representative was even born ... I was informed to contact XXXX  to request my phone number to be updated. American Express claimed that my credit would need to be inquired a second time to check for a phone number. Why would multiple credit inquiries be required to check for phone numbers? That is illegal. Credit inquiries are required to check for financial history. I called XXXX  twice on XX/XX/XXXX, waited on hold for more than 30 minutes during each call. The XXXX  representative would say " hello, how can I help you? Hold on '', then hang up on me.
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020 I contacted capital one regarding a XXXX statement balance after I paid off the account balance before my statement date. I spoke with XXXX who told me that she was the highest person I was speaking with and that whatever she said goes. I asked where the XXXX came from at first she informed me that the balance was on purchases from the previous month I asked what purchase was made she informed me none but they were charging me for an interest that was on my account from.last month. You are not allowed to charge interest on top on interest. She did inform me that I did not have a principle balance from the previous months statement burning order for my balance to be pd off that I would have to pay 2 statement balances in a row off not to be charged interest anymore.
Consumer complaint received 2020-03-19
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. (AR)

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 saw a couple of items that were opened on my name. These items are not mine. Please remove them from my credit report.
Consumer complaint received 2020-03-19
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. (SC)

XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2020 {$6500.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, 2020 {$24000.00} Needs Attention