davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
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: EQUIFAX, INC. (IL)

These account has been added to my credit report without my knowledge. I have disputed and provided a police report but the credit bureau keep reporting the account for XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I need my personal information update correctly. My name is XXXX XXXX XXXX XXXX  please remove any other variation of my name. I have several addresses that are not mine showing on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX please remove delete any other addresses they are not mine! Please delete the following numbers : 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 they are not mine. My Current Employer is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Please delete/remove any other employer the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX all of these are incorrect and not accurate. I have a unverified information please delete : USBK COURT XXXX OHIO DOCKET # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB XXXX
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to block any items which were opened without my knowledge, consent, or authority. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX : {$6300.00} ; XXXX XXXX Balance : {$730.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ;
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$23000.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MO)

Navy Federal Credit Union has violated the Dodd -Frank Wall Street Reform and the Consumer Protection Act. Specifically by demanding and lying about payment. They are reporting false statements to the credit reporting agencies and i quote " Paying under a partial payment agreement " There's absolutely no payment agreement, I'm demanding a physical copy of this so called agreement. Here 's the correct history inwhich still doesn't make sense. Account opened XXXX, Then they say last payment was on XX/XX/XXXX. And the report also stated that this account closed XXXX, excatly one month later. Then at the same time the account was closed. Again Navy Federal Credit Union has violated. In XX/XX/XXXX this account was removed fron my creut file, but then reinserted back on my credit file inwhich was illegal if you didn't notify the consumer of this within 5 business day. And again no one notified me about doing so. Im demanding that Navy Federal remove this account immediately from my credit file.

Please remove the following 1 ) Navy Federal Credit Union
Consumer complaint received 2019-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NC)

In XX/XX/XXXX I modified my mortgage for a 30 year fixed rate which created a monthly payment of XXXX. In XX/XX/XXXX I lost one of my part-time job and Ditech told me about a mortgage foreclosure prevention agency in North Carolina. I applied and qualified, the granting agency through their credit consumer advised me that I did not have to pay the mortgage once I qualified for the grant. When I applied XX/XX/XXXX I was one month behind. Six months after the grant started  paying my mortgage, Ditech arranged with the granting agency to increase my monthly amount to XXXX per month. When I contacted Ditech they told me the original amount of XXXX on the loan modification would be restored when the grant period ended. Well almost a year later my amount was never restored to what the loan modification was and further they dont even have the loan modification now am I the one that is crazy, I have acopy of the agreement with signatures. So am I crazy no, but I am now facing foreclosure and my dad who is XXXX and very sick with XXXX and a double XXXX XXXX and XXXX XXXX XXXX lives with me. I am getting very sick and am at my wits end. What ditech has done to me and how they have failed to handle any of my complaints to correct the problem has made things worse. Further they have at times past denied I called and made a complaint. I don't know what else to do I just want the amount reinstated.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

disputed a public record on my credit file as fraudulent with transunion. There is a chapter XXXX bankruptcy dismissed on my credit report that I did not file. I contact the bankruptcy courts about procedures and information reported to credit bureau, which I received a letter back stating that they do not report information to the credit bureaus. I have ask for proof of the disputes from the credit bureaus which I haven't received yet, instead im getting letters back stating verified. I have disputed the bankruptcy on XX/XX/2018. I have proof that I am a victim of identity fraud. please help
Consumer complaint received 2023-07-26
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. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
NATLCRSYS ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (GA)

We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out physically continuously.
Consumer complaint received 2024-02-27
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. (NC)

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 be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$760.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXXXXXX Balance Owed : $ {$780.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : $ {$780.00}
Consumer complaint received 2019-03-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits.

2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.
Consumer complaint received 2018-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$770.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$340.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$280.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$180.00} XXXX XXXX XXXX Last reported :XX/XX/XXXX {$72.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2200.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2019-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

Procollect this is an egregious display of greed. Here I am on a fixed income and you're trying to collect on a nonexistent fraudulent debt from a apartment complex I have not resided in for over 4 years now. 

Not only is it blatant identity theft. Its unprofessional for procollect to take upon debt collection on behalf of the original creditor without verification or even attempting to contact me.
Consumer complaint received 2019-01-03
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'm having extreme trouble having two items removed from my credit report of Expireian and XXXX. 

Item 1 : XXXX XXXX ( installment loan ) Item 2 : XXXX ( debt collection ) *its worth noting that when you look at my credit report I only obtain loans from XXXX XXXX XXXX XXXX , no one else, especially high risk high apr payday type loans. 

As a person who only receives a fixed income these items are causing me great and irreparable harm. I have repeatedly disputed these fraudulent items with both XXXX and Experian to no avail. 

XXXX however removed them so I know its possible. I need help.
Consumer complaint received 2019-01-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

Predatory lending violation to the XXXX elderly via telemarketing. Two telemarketers called my XXXX & XXXX yr old parents from another state and coerced them into taking a 30yr refi. Never offered mtg protection ins. or another program to better suit their needs, never had an attorney present to look out for their needs. There was no way my parents could live 30 yrs.to repay the loan & the fraudulent telemarketers knew this. Not repaying the loan due to one 's death & less income would subject the survivor to foreclosure or homelessness. Upon my parent 's death, the home was quit claimed to me & is where i reside. Helping my dad financially ( who died after my mom ) made me wonder why he had this loan burden to repay. I looked into it & began calling, faxing & mailing Wells Fargo w/questions they refuse to answer. I even paid for 3 & 1/2yrs. on a loan that is not mine. Upon learning many yrs. later of the loan 's fraudulent inception, I refused to make another payment. Wells violated Connecticut 's predatory lending law & is guilty of equitable estoppel, unclean hands & unconscionability. This was a bad loan from the beginning. Wells was pd {$71000.00} on an {$81000.00} loan. Under stress & pressure from Wells, I offered {$20000.00} as A " short pay-off ''. This would bring the amt. to {$91000.00}. Wells refused the offer. I will not pay for a criminal offense.
Consumer complaint received 2019-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2019 I sent 2 quickpay payments to the wrong number, one charge for {$160.00} and another for {$45.00}, therefore the money went to the wrong person. I contacted Chase customer service while the transactions were still pending in my account and asked them to cancel it, they then stated they couldn't do so since I was the one that initiated it, that it was my responsibility and fault for sending it to the wrong number, and that they were " sorry '' that I was out {$200.00}. The suggested I tried contacting the number that I sent the money to, which I already had done, I called and texted them asking them to please return the money, they never responded and why would they? Chase is allowing them to keep {$200.00} with no consequences. While I do understand that it was my fault for putting in the wrong number I don't see why they couldn't cancel the transaction since it was still pending. All I want is the money back, I've been with Chase bank for 11 years and have never committed this type of mistake in the years I've been using quickpay.
Consumer complaint received 2019-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (AZ)

On XX/XX/XXXX my wife tried to do an ACH transaction between her existing XXXX XXXX account - and her XXXX XXXX account. 
The system message she received was that the connection could not be made - this message came from a company called XXXX We reached out to both XXXX XXXX  and XXXX XXXX and they can not see any issue with her account Her XXXX XXXX is set up to accept ACH transfers When we spoke to XXXX  they informed us that the information is coming from Early Warning systems. When we contacted them - they would not explain the reason for the hold - our only recourse at this point to fill out paper work with Early Warning system and wait for approx 30 days I believe that Early warning system is fraudlent blocking legitimate transactions
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX have taken my student loan account which is in a deferred status, and good standing and is showing it in a bad reporting status XXXX deducted 88 points off my credit score and as of yesterday XX/XX/19 another 58 points for the same factor which should reflect a deferred status because Im still a student   in school, I have tried to ration with this company but its the worse reporting agency within all three, please have them correct my account which should reflect deferred and in good standing and restore my points back which is 146 points that was removed.
Consumer complaint received 2019-01-03
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)

I'm having extreme trouble having two items removed from my credit report of XXXX and Equifax. 

Item 1 : XXXX XXXX ( installment loan ) Item 2 : XXXX ( debt collection ) *its worth noting that when you look at my credit report I only obtain loans from XXXX XXXX XXXX XXXX , no one else, especially high risk high apr payday type loans. 

As a person who only receives a fixed income these items are causing me great and irreparable harm. I have repeatedly disputed these fraudulent items with both Equifax and XXXX to no avail. 

XXXX however removed them so I know its possible. I need help.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

about 2 months ago i received a copy of my credit report and noticed several accounts that are listed on my report that i never apply for and never used and never received any benefit from. i disputed these accounts and refused to removed them all these accounts are the result of identify theft XXXX XXXXXXXX, {$9500.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$840.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$1100.00}, ( XXXX XXXX XXXX, XXXX XXXX, {$5000.00}, ( XXXX ) XXXX, XXXX XXXX  XXXX, {$1100.00}, ( XXXX ) XXXX, XXXX XXXX, {$51000.00}, ( XXXX ) XXXX, XXXX XXXX, {$1500.00}, ( XXXX ) XXXX, XXXX  XXXX XXXX, {$910.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$490.00}, ( XXXX ) XXXX, XXXX XXXX  XXXX, {$420.00}, ( XXXX ) XXXX, XXXX