davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-06
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. (GA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-03-20
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: CONTRACT CALLERS INC (IL)

I have a loan for a vehicle that i have never had along with an address that i have never resided in.The amount for the vehicle was around {$18000.00} and the amount that it says is delinquent is around {$9800.00} The lender is XXXX XXXX
Consumer complaint received 2019-01-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am not really putting this in for a dispute, I am fine with the disputes I put in, but on my report I saw something I wanted clearified and called the toll free number only to find that it goes to a call center in XXXX. This is appalling. We are always fighting to keep our credit safe but trans union has their call center in a country that is known for people hacking and stealing identities. This needs to be addressed. I am very angry about this.
Consumer complaint received 2018-08-10
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. (TN)

I have disputed the following Collection Account with TransUnion & XXXX - I am in the process of disputing with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

US BANK CLOSED THEN REOPENED ACCOUNT Blocking me from online access. TO STEAL MONEY-THEY STOLE XXXX CHECK. THEY LIE STATING I PUT THROUGH XXXX {$150.00} LATE WHEN I HAVE US BANK LETTER STATING THEY RECEIVED DISPUTE UNDER 60 DAYS ALSO THEY STOLE {$170.00} FROM XXXX DISPUTE. ALSO US BANK NEVER CREDITED THE FOLLOWING : On XX/XX/3030 US Bank responded they have {$310.00} credit on XX/XX/XXXX, XXXX-US BANK IS LYING. Us bank keeps going in steal. They blocked me from viewing account online and never delivered statements. They keep reopening account without telling me to STEAL. 

TODAY, XX/XX/20 XXXX branch manager, XXXX XXXX, called Police after she gave me her business card and I requested letter stating the account was closed. They are stealing MY govt checks.
Consumer complaint received 2022-02-06
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. (TX)

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2019-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NJ)

I was a victim of a romance scam Stated his name is XXXX XXXX. He kept stating he kept having a series of unfortunate events and needed money. Around XX/XX/2016 he contacted me through a social media called XXXX. We exchanged emails, texts and calls. Stated he lives in XXXX NJ and was an international interior designer. Sent me what he claims is his passport with his picture. Eventually he claims to have gone to XXXX to care for his dying mom, who eventually died, with his son. His wallet got stolen and had no money, needed money for food, medical bills and funeral then for airfare. He claimed Doctor named XXXX XXXX took his kid to XXXX. Needed money for son. I am still in contact with him superficially. Now he states he is in XXXX and wants me to send money to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Through XXXX, He has also asked me to send money to people including a XXXX XXXX in LA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas and through Western Union XXXX XXXX Texas. Phone numbers he has used : XXXX, XXXX and is currently using : XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (TX)

I signed two school loans for my son totaling {$9500.00} with WellsFargo. I have been paying this loan since XX/XX/XXXX, first was paying {$100.00} a month for one year, then since XX/XX/XXXX have been paying {$200.00} a month. Up till now, this loan has a balance of {$7000.00}. 
I have asked Wellsfargo about seven times now to tell me what my rate is and why this loan is not yet repaid. They have verbally agreed but when they send me information, it does not contain the rate. I had been to one of their closest branches and had the bank representative call and speak to loans department and they promised before me and the representatives that they will send me the information required but when they send, it does not contain the rate. all it says, is applied {$28.00} dollars or {$26.00} dollars. One of the representatives once told me that they were not allowed to disclose the rate am paying. 
I think this is another big fraud going on. By my calculation, I should have finished paying this loan long ago. XXXX is on another Fraud and  is trying a cover up. 
Since I cant file a law suit against them, the common man needs consumer protection to demand and protect my right.
Consumer complaint received 2022-07-25
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: CLGF Holdco 1, LLC (SC)

Account disputed with credit bureau came back on XX/XX/XXXX with resolution of " updated '' however all data remains the same further more status update shows update XX/XX/XXXX which proof not proper investigation was carried out
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (MI)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I kindly ask for your utmost attention and urgency in addressing this dispute, as the incorrect information on my credit report is adversely affecting my financial well-being. I request that you provide me with a written response detailing the results of your investigation, along with a corrected credit report reflecting the removal of the disputed entries. 
Thank you in advance for your cooperation, understanding, and prompt resolution of this matter. Should you require any additional information or documentation, please feel free to contact me at the above-mentioned contact details.
Consumer complaint received 2022-03-09
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)

I called into TransUnion and XXXX to report fraudulent information on my credit file. There was another name listed on my credit file along with fraudulent addresses. They stated that they were unable to verify my identity on over the phone so I was instructed to mail in two forms ID. I mailed out dispute letters also 2 forms of ID. It has been 3 months now and they refuse to remove the fraudulent collections account on my credit file. This has been causing me not only financial hardship it has also been stressful. This is my final request for resolution before I seek counsel. They removed the names and addresses but the fraudulent accounts still remain.
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On or about XXXX I did open a credit account with XXXX XXXX XXXX and the credit limit was around about {$500.00} I did maintain this account up until XXXX, XXXX where as because of hardship I was unable to pay a minimum payment so a little over one year later because of my non payment I became delinquency on or about XX/XX/XXXX this debut is suppose to be removed last year but has not been the company that is re aging this debut is named Portfolio Recovery Associates.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION (CO)

On XX/XX/XXXX I received a phone call from Compass Bank asking if I made purchase for {$560.00}. I said no, they replied that it was fraud and they would decline the charge. I noticed the charge was on my bill. I called and they said there was no report of this being fraud. I tried to set up an online account and there was already one set up with a password by someone else. I called again and they shut it down and filed the fraud complaint again. The charge was never removed so I called again. Once again they said the fraud was not registered. I went to the bank and spoke with XXXX XXXX XXXX. She also said no fraud was registered and submitted one again while I was there and sent me a confirmation email on XX/XX/XXXX. As of today, XX/XX/XXXX the charge is still on my account.
Consumer complaint received 2018-08-10
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. (NY)

I have written several certified letters To Experian and XXXX, On [ XX/XX/XXXX ] I disputed an account reported by [ XXXX XXXX XXXX ] in the file you maintain under my Social Security number. 
I was informed on [ XX/XX/XXXX ] that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Consumer complaint received 2018-08-10
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Webcollex, LLC (TX)

On XX/XX/2018 this company called me at XXXX XXXX central time. The person on the phone was laughing with someone in the background when I answered. They asked for me. I told them I was XXXX and asked them why they were calling me at XXXX XXXX. The person in the line then disconnected the call. I called the number back immediately and asked who they were and why they were calling me at XXXX XXXX. She said they were XXXX XXXX and asked if I was XXXX XXXX. I told her I was and again asked why they were calling me at XXXX XXXX. I was angry and yelling when I said this so the lady told me I could talk to them later she wasnt going to talk to me and hung up. I called them back again and got a person named XXXX. I asked XXXX why they were contacting me and why they would do it so early in the morning. She asked me if I was XXXX XXXX I said that I was and asked why they were calling me. She said they weee calling to collect a debt. I asked why they would call that early in the morning and what debt would they be collecting. XXXX tried to say they never called me this morning. I told her that was a lie and she was the third person from her company I had spoken with this morning. I then told XXXX to remove me from their system and never contact me Again. I told her I have call logs of her company calling me multiple times a day sometimes 9 times or more and with the calls now being before XXXX I want no more contact from them at all. She told me she would remove me from their system and ended the call. I will be filing multiple complaints because 30 min after this call and her confirmation she was removing me from their contact list. I was then called AGAIN by this company.
Consumer complaint received 2018-08-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Accounts Service, Inc. (Indiana) (AR)

COLLECTORS KEEP SKIP TRACING MY CELL TRYING TO COLLECT FROM FAMILY MEMBERS. CALLS FROM XXXX XXXX COLLECTR FOR PROFESSINAL ACCOUNT SERVICES , INC PRESIDENT NAME XXXX XXXX.
Consumer complaint received 2018-08-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

My mortgage was sold to Rushmore Loan Management Services, in early 2018. Since then Rushmore has not paid any insurance which they hold escrow for. In XXXX my homeowner insurance was cancelled until threats were made that if not paid further action would include legal action for non renewal increase of over {$2000.00}. Now as of XX/XX/2018 my Federal Flood insurance has expired due to non payment, this too is escrowed by Rushmore, and Flood Insurance is required by FHA. Rushmore has been sent via FAX and USPS notices dated XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 and XX/XX/2018. These notices were sent by my agent and carrier Assurant ( XXXX XXXX ) for XXXX. In addition my agent called Rushmore three times to try to expedite. 

Rushmore loan number XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Fax XXXX Help please. 
XXXX Property is located in XXXX VA
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I paid my credit card balance and closed my account with Citi by phone. 
On XX/XX/XXXX, Citi added charges to the allegedly closed account. 
On XX/XX/XXXX I received an email stating I had a balance dueon the allegedly closed account. 
I contacted them by phone on XX/XX/XXXX, and representative XXXX XXXX said the charges would be removed and the account archived, and I would not hear from Citi again. 
On XX/XX/XXXX I received a letter confirming the charges on the account had been removed. 
On XXXX XXXX I received and email saying I could examine the allegedly closed account online and make a payment
Consumer complaint received 2018-08-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

Opposing counsel XXXX XXXX has responded to my consumer complaint with the same old shady lawyer tactic robo-spins, he will say and do anything to defend his troubles clients because that's his job. I have evidence that XXXX XXXX XXXX was NOT present before shady rubber stamper XXXX XXXX XXXX whos license has since been revoked by the commissioner during the time pretender XXXX XXXX XXXX executed and recorded the fraudulent assignment. In addition to that, I will provide the court with shocking evidence that the California XXXX XXXX will look at very closely.
Consumer complaint received 2022-07-25
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. (SC)

Account disputed with credit bureau came back on XX/XX/XXXX with resolution of " updated '' however all data remains the same further more status update shows update XX/XX/XXXX which proof not proper investigation was carried out
Consumer complaint received 2022-03-09
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. (CA)

Your investigation did not fix error in my credit file. I have informed you already that my report contains accounts that results of identity theft. Please do you reinvestigation and notified me of the result. After your investigation and corrections I want an updated credit report that negative items removed and deleted from my file.
Consumer complaint received 2020-04-29
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1000.00} UNIVERSITY  XXXX XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2022-02-06
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: EQUIFAX, INC. (NV)

On XX/XX/XXXX I submitted a dispute with Equifax to investigate unauthorized inquiries to my report. They failed to provide me with any documentation that the inquiries where legitimate. I want these unauthorized inquiries immediately removed from my account.
Consumer complaint received 2022-02-06
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: Commonwealth Financial Systems, Inc. (TX)

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.