davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
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. (VA)

Some how my name and ssn number been compromised and it has affected my credit file and now reporting unknown and unauthorized accounts inwhich I'm demanding be removed immediately. The following accounts are not mines. 

1 ) XXXX XXXX XXXX {$100.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2021-06-25
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. (PA)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Global Equity Finance, Inc. (WA)

We started a refinance with XXXX XXXX at Global Equity Finance back in XXXX of XXXX. Paid out of pocket for appraisal and a foundation engineering certificate, at a cost of over {$1000.00}. We were told we were locked into a 3.5 % interest rate. 

Months go by, we have to re-submit documents and pay stubs, I had to do three seperate conference calls with our current lender to verify there has been no late payments in the last 12 months. Two of these calls were in the same month! Also I was advised 3 months in a row to not pay the mortgage to our current lender, because our refi was " closing this month ''. So, including this month I had four late charges I had to pay for. We were very dilligent about getting anything they asked for as quickly as possible.

Finally, five months later, I was told we were clear to close on XX/XX/XXXX. But the closing disclosure that we E-signed had a rate at 3.625 instead of the promised 3.5. I call XXXX and he informed me our debt ratio caused this. I reluctantly accepted that and just wanted to be done with this whole mess, so we went ahead and E-signed the closing disclosure at a 3.625 rate. 

I was told to meet up with the Notary at XXXX XXXX  on XX/XX/XXXX to sign the hard copies of our loan. So, I happily was driving to meet said Notary to do so, and at about XXXX I get a call from XXXX XXXX, who said he was a supervisor at Global Equity and he tells me I can not sign today, and they moved our interest to a 4.5 %!!!! This was 30 minutes prior to signing, while I was driving to meet the notary!!!! How can my rate keep changing, especially after I E-signed on a XXXX XXXX And literally minutes before signing the hard copies???? After XXXX  months of being strung along to boot. 

This company has caused my Wife and I a great deal of stress, and money loss. The {$870.00} appraisal does us no good now, as they are only good for 120 days. That's 10 days from today. 

I informed XXXX by phone I will be submitting this complaint with you, and followed up with an Email to him and XXXX XXXX.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (KY)

On or about XX/XX/2019, I disputed an accidental charge made on my NetSpend pre-paid card. They immediately canceled my card which meant from that instant I had NO access to ANY of my money. After I reported the dispute, I had to call the customer service number to get a new card sent to me and I was told I would be charged {$10.00} for a new card! This is because the only option they have for disputes is to mark the customer 's card " reported lost or stolen '', which is incorrect. 
On XX/XX/2019, after they still hadn't resolved the dispute on my card and I found that I can't just purchase a new pre-paid NetSpend card *without loading money on it at the time of purchase*, I finally broke down and ordered a new card for {$9.00}. I also paid an extra {$20.00} for 'expedited shipping '. 
Today 's mail came - still no card. I now have three of my bills that are sending me emails they couldn't process my card because of these idiots and I'm almost out of gas as well and as I mentioned before, even tho my direct deposit hit my account on XX/XX/2019, I still have NO access to my account or money and they STILL haven't resolved the dispute!
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Prosper Marketplace, Inc. (TX)

I was checking prequalified offers through my XXXX XXXX app. It clearly stated it wont impact my credit score and a hard inquiry wont be used. A complete contradiction to what actually happened.
Consumer complaint received 2018-03-08
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. (CA)

Today XX/XX/18 my credit score went down XXXX points on my transunion credit report. There isnt any new negative information on my credit report that could cause this. When I called to find out why they told me that they couldnt give me a specific reason but to look at my credit report. I told them that there is no change to my report that could cause this. They told me they cant tell me why. This is insane.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (GA)

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. This is a dispute that DEPT OF ED/ XXXX also known as Department of Education XXXX Navient is reporting late payments on my personal credit report that are inaccurate, incorrect, and false. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). The reported dates of the late payments are inaccurate. 2 ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I recently opened a brand new Venmo account. My girlfriend sent me {$30.00} and when i tried to transfer it out Venmo said my account is frozen. I contacted them and they told me to send my ID and SSN. I do that and the answer i got was that my account is permanently deactivated and that the money ( {$30.00} ) will remain in the account and will not be released. How can they just steal money on a brand new account? its not making sense to me. What could i have possibly done to deserve that on a brand new account.
Consumer complaint received 2019-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MS)

InXX/XX/XXXX, I applied for a XXXX account and I didn't know about the predatory interest rate that came with the credit account. I became the only working member in the household of XXXX in XX/XX/XXXX due to my husband becoming ill and could not afford the payments. The account was late for 3 months then sent to collections/charged off. On my credit report XXXX has 3 different reporting, consisting of account # XXXX, # XXXX and JeffCapsys XXXX, which is collection agency. I agreed to settle the account with them for {$600.00} and they sent a letter for paid in full. They then listed the balance ( {$730.00} ) of the account on my credit report instead XXXX the account as promised. The reporting of when charged is changed twice and then listed as this year instead of XX/XX/XXXX.  Please help me to resolve this issue with XXXX XXXX.
Consumer complaint received 2019-08-25
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)

Multiple accounts are reporting on my credit report that is not correct XXXX   XXXX**** XXXX  XXXX XXXX** XXXX  XXXX**** XXXX XXXX   XXXX**** XXXX XXXX** XXXX XXXX**** XXXX XXXX   XXXX**** XXXX 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 2018-03-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (MT)

Ability Recovery Services is trying to collect a debt from XXXX XXXX schools to which I do not owe. I previously sent a complaint in from XXXX XXXX and they indicated they had the wrong person and deleted the marks off my credit. However with Ability Recovery Services, I have gone around with them on the phone and the last person I spoke to named " XXXX '' said they are right across the street from XXXX XXXX, and if I would pay the reduced amount of XXXX that they would remove it from my credit. I told her as I told other representatives at the company, I only went to XXXX XXXX one time in 2007 and now all of a sudden i have two different collection agencies saying I owe XXXX XXXX!!! This school is a fraud, and they claim someone signs up for classes and then tries to charge people for an entire amount of their program. If anyone has collection agencies from XXXX XXXX submit a complaint on here!!
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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.
Consumer complaint received 2018-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I made out a check for XXXX to a credit card company. I deducted from my check register. A week later I received 3 alerts from Chase bank, which I have if my account goes under XXXX. The first said I had XXXXless than what i had calculated. The next day was an alert was a charge for XXXX which I did make, but still lower than the amount in my calculations. The third alert came the next day, that it went up to XXXX in my acct, with no transactions or deposits made. I went to the branch with my concerns over these glitches plus the fact that it seems im being charged twice for the XXXX check. I was told to come back today after impending transactions could or would make the account current. Today the bank stands by their calculations that I only have XXXX in the bank. And I stand by my calculations that I am missing XXXX. I have checked and rechecked to find my error and I do not find one.
Consumer complaint received 2019-08-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (TX)

We did not receive any information that our Jr. loan was a balloon mortgage ; we had no notification that it was coming to maturity ( whatever that means ). We didn't know what a balloon even was. We have our payments automatically drafted out of our accounts and in XXXX I received a text that we are behind on payments which confused me because all payments were drafted automatically. I immediately called Mr. Cooper to find our what was going on and what was a balloon. The explanation given that is what we signed up for it 15 years ago. First of all, once a balloon was explained to us, we would have never agreed to pay in full what was left on the loan. No way would we ever agree to pay {$17000.00} in one payment. I asked them why I wasn't mailed a letter or notified this was going to happen the first XXXX. Mr. Cooper stated that they sent emails and listed on our account. The only physical letter I received was that our Sr. loan payment was going up starting in XXXX, so I let our bank know. We didn't receive any communication on the smaller loan until I received a text saying we are delinquent on our loan payment and to call. That's when I called and found out we had a balloon loan and what it was. They told there is nothing they can do except sell my home and use the equity to pay off the loan. I shred with them that's not an option. I asked if there was way to continue to pay as we have been for the past 15 years and they said no. My complaint is that I didn't receive anything paper or email ; but they sure knew how to text me when I was delinquent on paying {$17000.00} on the spot. Now we are in a situation of losing our home ; not an option! I don't have any papers or emails to send to attach to this complaint because we didn't receive anything!
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Real Time Group, Inc. (OH)

I have requested that Real Time Resolutions XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Stop calling my phone over a Debt that I do not owe to their company. 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIT all further communication with me in regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT. 
Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

We moved to XXXX in XX/XX/2019 from XXXX. I wanted to unfreeze my credit to a different credit union for banking. We have had our credit froze for several years, but the CU we selected required a 'credit check ' and they use Experian. It easy to unfreeze with the other two agencies, but EXPERIAN was a nightmare. EXPERIAN 's telephone customer service does NOT work. I was on hold for an hour, then was told 'call back later '. I tried using Experian 's suggestions, only to find there compute system would not process my request after filling out their forms, then EXPERIAN required me to send a letter with my drivers license and proof of address. I did this ... and have NOT heard from them. I have tried calling, and only get a recording saying 'call back later '. This is absolutely ridiculous!!! All I want is to unfreeze my credit.
Consumer complaint received 2018-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company sent me statements of an account that did not have my name on it and an address that I have never lived at. I have asked them to provide me with a original contract with my signature and a complete accounting from day one until current. I have never received anything but some statements that we not mine.
Consumer complaint received 2022-05-03
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy, rules of construction, accuracy and confidentiality under 15 USC 1681. They stated my accounts were verified. How can that be if they didn't do a proper investigation according to the law. FRCA 15 USC 1681 everything has to be 100 % accurate. Enclosed is a copy of my report still showing inaccuracies. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681a Rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXXXXXX XXXX XXXX acct XXXX # XXXX XXXXXXXX XXXX XXXX acct # XXXX
Consumer complaint received 2021-06-25
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: Consumer Portfolio Services, Inc. (AZ)

XX/XX/XXXX I called XXXX to ask about an unauthorized credit inquiry placed on my credit report without my consent that I have no knowledge of, with the inquiry date placed on my XXXX  and XXXX  credit report of XX/XX/XXXX. I spoke with XXXX with I.D . # XXXX and also XXXX in the the " trade line reporting department ''
Consumer complaint received 2019-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NH)

They have ignored my requests for proof of debt I know I never incurred it. {$890.00} ive asked them countlessly to take it down they can not send me any information about how it was made the original that I did not make the debt I am 100 % sure of that and I have continuously tried to address this over the years and now theyre trying to say that the date has reset in now its back to being brand new and still in my account for seven more years Ive been dealing with this for six this is ridiculous I dont even know where this debt came from
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

Toyota Motor Credit failed to give me proper validation of this debt.

I mailed Toyota Motor Credit a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-25
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. (AZ)

On Account information disputed by consumer, meets FCRA requirements. I need written Proof of verification. Documentation from the 3rd party proving this is my count. FCRA they have to provide original documentation if they can not provide those by federal has to be removed off. I was a victim of identity theft.I filed a police report and FTC report by federal law this has to be removed off. I've also filed a complaint with CFPB. I have provided you the documentation showing you this is a fragilite count that does not belong to me. 
My next step will be filing a XXXX report and a lawsuit.