davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (FL)

On XX/XX/18, I received 2 small packages in boxes from " XXXX XXXX '' each containing a gold-looking cross and a statement showing the value of each cross to be {$170.00}. The problem is, I did not order the crosses, nor, have I ever done any business with any XXXX XXXX company. 

I was actually away on vacation when the packages arrived and my mail was on hold. When the held mail was delivered, there were two letters dated XX/XX/18 thanking me for my order and informing me that they could not process the order without advance remittance. However, the dollar amounts were different on each invoice ... one was for XXXX ( which was the price of the cross on the order form ) and one was for {$240.00}, which I have no idea what that is about. I also received another letter dated XX/XX/18 with the same verbiage, however, that letter was referencing a charge of {$400.00} for some other apparent merchandise which I did not order, nor, did I receive a package! 

On XX/XX/18, the day I returned home, I called the customer service number on the order slip and spoke to " XXXX '', explaining that there has been a mistake because I did not open an account with XXXX XXXX or order these items. He stated he was submitting a report to the company Fraud Dept and I would receive instructions about returning the products within 7 days. 

I have e-mailed the customer service for both XXXX XXXX and XXXX XXXX and have not received any information from either company.
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (FL)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

My home loan was sold to Loancare LLC in XX/XX/XXXX on XX/XX/XXXX the check for tax payment of my Summer XX/XX/XXXX taxes was sent to Loancare LLC from previous mortgager. XXXX has yet as of XX/XX/XXXX to pay my summer XX/XX/XXXXproperty taxes. The money is in the escrow account and has been since XX/XX/XXXX7. I have called to resolve this issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 1XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. All to be told that the Tax Dept was  reviewing it. 3 1/2 months to review a simple transaction. Now my property Taxes are late and have penalties. There is no direct number for the tax department. I wonder why? I cant get a straight answer. I want my XX/XX/XXXXTaxes paid. I have loss the tax deduction for my home. I want a quick resolution.
Consumer complaint received 2019-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

XXXX, # XXXX {$11000.00} ... XXXX XXXX is falsely reporting inaccurate info to the credit bureau ( Equifax ), I disputed the inaccurate info with Equifax and sent police report I filed when my wallet was stolen. On the updated dispute results I received on XXXX, Equifax stated the company wasn't reporting on my file but I was notified by my credit monitoring service the account was reported XXXX and it's still on my credit report. This is not my account it doesn't belong to me. XXXX is under investigation as we speak for trying to collect on false accounts the company has been shut down for not having license to collect. No validation of this debt as Equifax has claimed. Please remove this fraudulent account off my credit file thank you. 

XXXX, # XXXX {$12000.00} XXXX XXXX is reporting inaccurate info this account doesn't belong to me I don't have a contract with this company. I've disputed with Equifax every month for the past 3-4 months with no response from the company or Equifax/XXXX to get this inaccurate info removed off my file. No validation of this debt at all as Equifax has claimed. XXXX never responded o my dispute. Please remove this fraudulent account off my credit file thank you. 

XXXX, # XXXX {$1200.00} XXXX XXXX is reporting inaccurate info on my Equifax and it's a fraudulent account and it doesn't belong to me. I've disputed this account with the company and Equifax with no response or validation of this debt as Equifax claimed. Please remove this fraudulent account off my credit file. 

XXXX, # XXXX {$330.00} XXXX XXXX is reporting fraudulent info on my credit file. Not my debt I have disputed with Equifax with no response I asked for validation and have yet to receive it. This is a fraudulent account and it doesn't belong to me please remove this inaccurate info off my credit file thank you. 

XXXX, # XXXX {$960.00} XXXX XXXX is reporting fraudulent info on my Equifax credit file this account doesn't belong to me, I asked for validation of this debt and no response in months from Equifax in regards to this inaccurate information. This account doesn't belong to me please remove thank you. 

XXXX, # XXXX {$2100.00} XXXX is reporting inaccurate info on my Equifax credit file that is fraudulent and inaccurate. I have disputed multiple times with Equifax with no response. Please remove this fraudulent account off my file thank you.
Consumer complaint received 2022-07-11
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. (SC)

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Siggi LLC (OH)

My name is XXXX XXXX. I am part of the CFPB settlement with Omni Financial. I have requested that they reissue my check. The refuse to reissue my check until the check void date ( which is not for another month ). They say they will then issue another check 8 to 10 weeks after that time. I would like them to re-issue the check now and not wait the 3 months to issue a check.
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IA)

The fowlowing information Im attaching Is to provide the complaint concerning the Home Depot request for payments they had.my payments made in store but have not corrected the problem. They Requested copies as though they did not have the information that was a false Statement attaching proof.
Consumer complaint received 2021-03-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CT)

I started a fha streamline refinance with XXXX XXXX @ Amerisave Mortgage on XX/XX/20. I was told the process time would be 30-45 days to close & probably within 2 weeks as this would be a streamline refinance. I was asked to pay a upfront application fee of {$500.00} & to have my homeowners policy put them as lienholder before they could process. The initial disclosures amount was incorrect & I informed XXXX & three more times disclosures sent to me were still inaccurate. I never received corrected disclosures. I was also asked to provide mortgage payoff amount & clear title to my property. Which their underwriters & title company should be doing this as they are charging in closing cost for this service. I did get the information & sent it to them. I was continually asked to send in documentation repeatedly already sent in. 
I spoke to XXXX XXXX ( manager ) & advised him I was unhappy with the continual delays & repeated request for documentation they already have. 
After 6 weeks of nothing moving forward I advised XXXX XXXX XXXX that I wanted to cancel & wanted my {$500.00} refunded to me. I was informed on XX/XX/XXXX that the refund was initiated & I should received back to my card within 5-7 business days. I still have not received the refund & have emailed XXXX a few more times about this & getting no reply now. I did received a email from Amerisave after I cancelled stating they denied my loan instead of them checking the box on their form that I cancelled. Very unscrupulous company. I've seen several complaints about Amerisave on websites after I initiated my application whereas everyone is going thru the same thing & more. 
I would never recommend them to anyone as they take your money & string you along with false promises & now mortgage rates are going up. Alot of wasted time & aggravation for so many people. 
I want my {$500.00} refunded to me so I can move on to a more reputable lender. 
I also have every email between myself & Amerisave to prove all I am saying
Consumer complaint received 2020-08-02
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. (IL)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX   XXXXXXXX, XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXXXXXX XXXX  XXXX My phone number is XXXX
Consumer complaint received 2023-04-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (OH)

XXXX XXXX XXXX has not verified the debt after 30 days upon receipt of a debt verification request. I was advised to send the letter to their third party collecting agency which is Frontline. Frontline refuses to provide verification and referred me back to XXXX even though federal law says they have to send it within 30 days of receiving that letter. I spoke to XXXX at XXXX at about XXXXXXXX XXXX on XX/XX/XXXX and she did confirm that frontline was their third party collector and that the certified debt verification request I had sent was on my file at XXXX. Since Frontline is acting as the collector for XXXX and they scanned the letter into my file, my rights will be violated as of XX/XX/XXXX because tracking shows the letter was delivered that day at XXXX XXXX. The tracking number for the letter is XXXX. I spoke to a XXXX at Frontline at about XXXX on XX/XX/XXXX and he confirmed that Frontline is collecting for XXXX and that they had received the letter. He also called me by the wrong name, was generally evasive and made me feel like this is something they do all of the time to evade federal law. Also the first time I called someone at XXXX they refused to give me their address for mailing a dispute because I would not verify my mailing address until the debt was verified. I believe this is also a violation of federal law because that is essentially not allowing me to dispute. Now that I look on the website for XXXX it has yet another collection agency with a different address.
Consumer complaint received 2020-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MO)

I was told in XX/XX/XXXX that I would not be allowed to have a debit card for a year because of a county activity with my debit card. Last month in XX/XX/2020 my husband was notified of the same thing. I attempted to appeal the decision they denied it. The nearest navy federal credit union branch is over an hour away from my house. They informed me that I can write checks or with draw cash at my nearest credit union. Given the corona virus and that the virus is transmitted easily no one want you to use cash. This is why I appealed to navy federal they still denied my appeal so though I have money in my account my options are to wait 3-5 days for a transfer or drive an hour away with XXXX kids XXXX and under and take them inside to the nearest branch every time I need money. That isnt safe or even do able for my family on a normal day let alone in the middle of a pandemic.
Consumer complaint received 2023-03-29
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. (GA)

I AM A VICTIM OF IDENTITY THEFT NOT ONCE, NOT TWICE, BUT THREE INSTANCES THAT I KNOW OF. ONE OF WHICH WAS OR IS BEING DONE BY A RELATIVE. SINCE I AM SELF EMPLOYED, AND CONSTANTLY WORK AWAY FROM HOME, UNBEKNOWST TO ME, THESE SAID THIEVES HAVE HAD LIMITED ACCESS TO MY MAILBOX. I HAVE FILED THREE POLICE REPORTS, IN AS MANY STATES, OUTLINING THE EXTENT OF THE THEFT OF MY IDENTITY. I PROVIDED DOCUMENTATION VERIFYING THAT THE SAID THIEVES HAVE AN OLD COPY OF A SOUTH CAROLINA '' S DRIVERS LICENSE THAT IS NO LONGER VALID BUT HAS NOT EXPIRED. I HAVE CONTACTED XXXX, TRANSUNION, XXXX CONCERNING INQUIRIES THAT ARE NOT MINE. I ASKED THAT THEY REMOVE THEM. THEY TOLD ME TO CONTACT THE CREDITOR. WHEN I CONTACTED THE CREDITOR, I WAS TOLD THAT THEY CAN NOT REMOVE ANY INQUIRIES. SO AT THIS POINT THE BUREAUS ARE GIVING ME THE RUNAROUND. I ALSO ASKED THEM TO REMOVE OUTDATED ADDRESSES THAT WERE BEIBG USED FOR FRAUD. TO THIS DATE THEY HAVE NOT. 

THESE ARE THE INQUIRIES IN QUESTION : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ADDRESSES THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX THE XXXX LOANS ON MY CREDIT REPORTS HAVE BEEN CONSOLIDATED BUT HAVE YETTO REFLECT THAT DESPITE BEINH DONE SO MORE THAN 30 DAYS AGO. WHY ARE THEY CLASSIFIED AS INSTALLMENT LOANS? THIS CLASSIFICATION MAKES IT IMPOSSIBLE FOR ME TO QUALIFY FOR A MORTGAGE BECAUSE OF HOW THEY ARE BEING REPORTED. LENDERS SEE IT AS IF I HAVE A XXXX LOAN AND HAVE NOT MADE ANY PAYMENTS ON THAT LOAN.
Consumer complaint received 2021-03-07
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. (IL)

hello ive recently pulled my credit report and i notice alot of accounts was token out in my name ive reached out to transunion, XXXX, XXXX  and still there is no response from then my idenity was stolen when i was deployed in the XXXX XXXX and not happy about this at all im a getting a lawyer involved to sue for damages for inacuarte information on my credit report
Consumer complaint received 2023-03-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

Venmo Complaint : I recently received a grant via Direct deposit through the SBA. I used Venmo to receive this grant. Everything deposited and once I made a transaction they froze my account and now Im praying they return my money somehow. I have waited and waited, and when they finally do reply it says sorry we can not return the funds. Why? This was a grant given through the SBA, Im confused, if I violated a user agreement I should still be entitled to receive my money that was obtained legitimately.
Consumer complaint received 2023-07-29
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$200.00}
Consumer complaint received 2023-07-29
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (LA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-03-13
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. (IN)

I have tried on multiple occasions to get Experian to follow FCRA and in turn respect my rights in this matter. I have asked Experian to on at least 4 occasion to validate this account, as well as on multiple occasions as Experian to present me a description of the procedures used each of these disputes. Experian refuses to and even lied in one CFPB complaint stating that they would send it in the mail. No such information has come and even then they failed to follow FCRA and just opened up a dispute. What part of " FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY '' is confusing you? nothing in this says open a dispute, in fact everything states do not open one and tells you exactly what is requested.

The letter clearly states in bold red letters to not open a dispute and that this was a procedure request : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This letter is being sent via certified mail / return receipt requested and notarized, for pending lawsuit : Certified Mail # XXXX XXXX XXXX XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!!

NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY : FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!!

NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY