davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is reporting closed and charged-off accounts as having current balance. 

still reporting closed and charged off accounts as current late payments accumulating monthly. 


Experian and other credit bureaus continue to show a debt for accounts that have been closed and charged-off. They are also showing a debt balance that includes accounts that have been totally deleted. 
I have never applied for credit at XXXX XXXX. They have run my credit fraudulently. Please show contract with XXXX XXXX and Credit Agreement. 

XXXX XXXX and XXXX are selling closed accounts, selling my personal information to XXXX and XXXX XXXX. XXXX XXXX and XXXX have not provided my with the 1099c when as requested. They have not provided me with a contract validating the debt. And after reporting this to all parties, they continue to violate my rights, working like a money cartel.
Consumer complaint received 2023-06-27
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. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2021-12-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NJ)

THIS COMPANY HAS HELD MY UNEMPLOYMENT MONEY FOR YEARS AND THEIR PROCESSING IS NEVER ENDING. THEY OWE ME AROUND {$1400.00} AND STILL HAVE NOT DISBURSED MY MONEY.
Consumer complaint received 2023-08-16
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. (TX)

This credit bureau continues report late payments on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXXl. I have wrote to them on many occasions to remove this inaccurate information. That is a fcra violation of usc 15 1681a ( 2 ) ( a ) ( i ) it clearly states except as provided the term consumer report ( which is my credit report ) does not include a report containing information solely as to transactions or experiences between the consumer ( which is me ) and the person making the report. So I want.these late payments to be removed immediately. I also need.to be compensated XXXX XXXX for this fcra violation tht they have clearly violated..
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Original Creditors - ( XXXX XXXX ) Account name : XXXX XXXX XXXX  - Original Creditors ( XXXX XXXX ) Account name : XXXX XXXX XXXX  Original Creditors- ( XXXX XXXX XXXX XXXX XXXXXXXX ) Account name : XXXX. XXXX XXXX XXXX Original Creditors- ( XXXX XXXX ) However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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.

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

15 U.S.C. 1681 section 604 A states a consumer reporting agency can not furnish a accont without my written instructions.
Consumer complaint received 2023-10-17
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc. (GA)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX is trying to collect a debt from XXXX XXXXXXXX XXXX Company name- ( Unifin ) Company phone number - ( XXXX ) XXXX Email - XXXX This company was calling my home phone at first. I spoke to more than one person, informing them that I was not the correct person because they are calling me XXXX XXXX. I had that number disconnected, so now I'm getting emails! Well I'm still the wrong person because my name is not XXXX XXXX.
Consumer complaint received 2023-02-25
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act ; Companies Name & account Number XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ; Hard Inquiry Filling date XX/XX/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 Instructions..
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MI)

On XXXX XXXX, 2023, XXXX contacted me stating that someone ( JPMCB ) had looked at my credit report. At the same time, we received an email stating that someone had completed a request for a credit card in my name from the same company. I did not initiate any of this. 

XXXX put us into contact with people from JPMCB. They needed a social security number to find the credit card application, which was filed online. When this was located, they canceled the application. 

XXXX then put an alert on my credit report through XXXX. 

At this time, I do not believe I lost any money. However, it appears my personal info was compromised.
Consumer complaint received 2023-03-09
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (TX)

I have been receiving multiple calls from a phone number, XXXX, I do not recognize. My mobile phone provider blocks the phone number as it was blacklisted and reported as a telemarketer phone number. After receiving multiple calls ( XXXX ) within XXXX minutes trying to get past the call protection feature, I called the phone number back to inquire what company is frequently and illegally trying to call. The phone number is tied to a company called Credit Management , LP and I have never heard of this company. I spoke to a representative and asked for my phone number to be removed from whatever calling list it they have.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor nor the credit bureau is willing to help me.      XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   PRESTIGE FINANCIAL   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX
Consumer complaint received 2017-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

A company, named  XXXX   XXXX   XXXX   XXXX , opened a business bank account with  Fifth Third  Bank at a location in  XXXX , North Carolina in  XXXX  and operated the account for over  one  year without any problems. However, though the account was opened in the name of the business, the bank listed an individual as the 'owner ' and 'secretary ' without the company 's authorization and without confirming the designations. The actual shareholders and directors of the company were not aware of the bank 's error until the bank initiated a new process for verification of wire transfers in  XXXX  or  XXXX  of  XXXX . The company 's owners initiated a wire transfer for a corporate client which was blocked by the bank after the individual erroneously listed as 'owner ' told the bank he had nothing to do with the company and therefore could not and would not be able to verify the wire transaction requested. The bank acknowledged to the company 's shareholders and directors that it previously did not confirm the individual 's relationship to the company before listing him as the owner of the account, but the bank has nevertheless refused to offer any type of resolution to the company. The company shared all corporate records with the bank to establish ownership and corporate structure, but the bank 's legal department never returned messages or attempts to communicate and resolve the issue. The funds which were withheld were in excess of {$120000.00} and cost the company several corporate clients due to lack of payment, resulting in loss of revenue estimated in excess of {>= $1,000,000}.
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (TX)

Someone created a fake PayPal account with my name address and email and banking account. Attached to the same account is also fake information that is not mine. According to PayPal the account was created in XXXX and upgraded to a business account in XX/XX/XXXX. At this time my bank account information was added and the person was able to withdraw XXXX dollars from my account. I never have had a PayPal account nor did I create it. As soon as I noticed the fraudulently withdrawals the bank was contacted and a police report was filed in XX/XX/XXXX. After the investigation was done PayPal returned the money to the account. However PayPal is now trying to collect the money through a collection agency XXXX XXXX XXXX XXXX. This agency was notified that it was Fraud Identity Theft and was given the police report number advised by the police investigators. I have tried to contact PayPal numerous times via phone and through their message system via the account. PayPal will not close the account claiming the money is owed. My personal information is still compromised because of this. I need PayPal to close the account that they let someone open fraudulently. I have not been able to reach PayPal via the phone. They do not answer the phone.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to express my EXTREME FRUSTRATION, DISAPPOINTMENT, AND ANGER regarding the continued reporting of fraudulent accounts on my credit report. Despite repeated requests for removal and clear evidence of identity theft, your bureau has inexplicably ignored these removal requests, allowing these fraudulent entries to persist and tarnish my XXXX The fraudulent accounts on my credit report not only jeopardize my financial standing but also cast doubt on the integrity of your credit reporting processes. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
I have submitted numerous requests to remove these fraudulent accounts, providing documentation and evidence of the identity theft. Yet, these requests seem to have fallen on deaf ears, as the inaccurate and damaging information remains on my credit report. This negligence and disregard for my rights as a consumer are both unacceptable and infuriating.
Consumer complaint received 2023-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The victim, XXXX XXXX was blackmailed to send them money starting from XX/XX/XXXX until I realized that was a scam on XX/XX/XXXX. I was using this online service that does my XXXX  work for since I am an XXXX and was struggling to pass the class because of the language barrier. The scammers were doing my work at first until I was asked to send money as " Deposit '' to clear the record of my XXXX  portal that they have accessed. They kept asking that the money was not enough to clear the record of my portal. 
I started sending money on XXXX and XXXX. XXXX stopped working so I went to the bank and did the wire transfer. 
Here are the dates and the amount I sent Transferring money : XXXX {$1000.00}, XXXX {$400.00}, XXXX {$600.00}, XXXX {$1400.00}, XXXX {$4000.00}, XXXX {$5600.00}, XXXX {$8600.00}, XXXX {$4000.00}, XXXX {$6800.00}. Total {$32000.00} During this time, i would get XXXX of phone calls day and night and was told that if i dont send money they will report it to XXXX  and make kicked out. I asked for my friend help on Saturday night and found out that this was a scam. 
We have talked to the bank so many times if they can reverse the money but since she is the person who authorized and sent the money they decided not to reverse the money for me. 

this is company information XXXX XXXX XXXX XXXX  I have a information their bank account and phone number.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Need these address removed from my credit report.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I wrote all XXXX Bureaus about reporting inaccurate information XX/XX/24 it's XXXX now nothing has updated, XXXX and Equifax have sent me forms to process my request that stated I needed to send in my ID and SSN card I will mail out today XX/XX/XXXX and I also will attach documents to this complaint hopefully it speeds up the process a bit. XXXX on the other hand said " Upon competition an updated copy of your credit report will be mailed to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US PostXXXX system '' on my last complaint yet I have still received nothing
Consumer complaint received 2021-12-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

In XX/XX/XXXX the loan in dispute was transferred to Nationstar Mortgage from XXXX XXXXXXXX XXXX. In XXXX of XXXX I had gotten a loan modification from XXXX XXXX XXXXXXXX. I made every payment of that loan modification and continued to make the payments when Nationstar took over the servicing of the loan but Nationstar sent my checks back to me and would not apply them to the mortgage. I have all of the cleared checks which were cashed by XXXX XXXX  XXXX and sent those to Nationstar many times. I don't know how they could say that when they took over the loan servicing that I was behind in the payments of the mortgage when XXXX XXXXXXXX XXXX cashed all of the payments. Where did those payments go? I have never been able to find out. Several attorneys and a fraud investigator looked at their accounting and said it made no sense. I could not figure it out either. That is why an audit is needed from a neutral XXXX party. Who is going to pay for that audit? Nationstar should pay for the audit since no one can make sense of their accounting that they send out. XXXX XXXX of XXXX XXXX XXXX will do the audit but wants to be paid. I am paying attorneys fees and my attorney wants Nationstar to pay for the audit. 

I now have a company called XXXX XXXX XXXX XXXX XXXX helping to put the loan modification documents together and they have submitted them to Nationstar. Even though I signed an authorization allowing XXXX XXXX to speak to Nationstar on my behalf, Nationstar has refused to communicate with them. They are sending letters to my attorney instead. I should not have to pay my attorney to deal with the loan mod or Nationstar 's letters. XXXX XXXX does not charge for their service so why can't Nationstar communicate with them? The CFPB should investigate this matter as if they are doing this to me, no doubt they are making it difficult for many other people who are trying to get a loan modification. 

In addition, in one of the letters that was in their response to the last complaint I filed with the CFPB they said that the XX/XX/XXXX trustee sale has been put on hold. If that were true, then they would take the sale off of xome.com, a web site owned by Nationstar that advertises the trustee sales of property. My property is still on that web site listing a sale date of XX/XX/XXXX. I do not trust Nationstar as what they say does not always follow what they do. They have said things in the past and done something totally opposite so how can I trust anything that they say in a letter which they are sending in response to a complaint to the CFPB.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX