davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
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. (CA)

On my credit report I have multiple inquiries coming from XXXX  XXXX that I DID NOT AUTHORIZE on the FOLLOWING DATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On my credit report I have mutlple inquiry coming from XXXX that I DID NOT AUTHORIZE on the following date XX/XX/XXXX and XX/XX/XXXX. 

On my credit report I have an inquiry from XXXX that I DID NOT AUTHORIZE on XX/XX/XXXX.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I received an active credit card from Bank of America without my permission. I never opened an account with them. I called the Fraud Team at XXXX XXXX XXXX XXXX and they supposedly started a fraud claim.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I have an account with XXXX XXXX. Originally, it was a revolving line of credit. Recently, I renegotiated terms with the bank to convert it into a fixed loan. Experian, despite 4 attempts to make them read the note from the bank, fails to update the account to reflect it as a loan instead of a revolving account. Additionally when the method of verification has been requested the last two disputes, Experian has failed to provide their method of verification within any time frame, let alone the 15 days set forth by FCRA. When I request that the report be deleted, Experian also refuses to do that. What do they do out of curiosity? They are violating federal law by reporting this inaccurate and untimely information on my file. If that wasn't bad enough, they violate federal law again with impunity as they refuse to recognize my request for method of verification and when called out on it blatantly continue to violate the law by not removing the now unverified account.
Consumer complaint received 2022-11-18
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)

See Attached Documents. Attached will be a Picture of on ID and Social Security Card Utility Bill. It will also have an attached FTC Identity Theft Report as well as Dispute letters with account information that needs to be deleted from my report.
Consumer complaint received 2019-04-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

PRA Receivables has my vehicle towed from a debt that was paid off in my bankruptcy. They never sent a letter to me but I woke up with my vehicle gone. When I reached out to them they had no answers for me and said give them money or my vehicle would be auctioned off. I worked hard for my vehicle an I feel this was just a legal theft for something that belonged to me.
Consumer complaint received 2020-02-06
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: Experian Information Solutions Inc. (FL)

XXXX XXXX  is currently in violation of the FCRA. According to the FTC the law states after an account is closed and paid off it must remain on the consumers credit report for 10 Years and three XXXX  accounts have been removed suddenly from my credit bureaus. XXXX Visa, XXXX Mastercard, and I was an authorized user on my boyfriends XXXX XXXX account.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo XXXX XXXX was opened fraudulently in my name around XX/XX/25. I contacted Wells Fargo to report this, card was cancelled and I put a credit freeze on all of my credit reports. I continue to report to the proper agencies. They tried again unsuccessfully on XXXX but it was blocked due to my credit report freeze. They had my personal information. Thank you for your assistance. 

XXXX XXXX
Consumer complaint received 2018-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a Victim of Non Authorized Inquiries on my credit Amrent XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX XXXX XX/XX/2018 XXXX XXXXXXXX XXXX XX/XX/2018 XXXX XXXX XXXXXXXX XX/XX/2018 XXXX   XXXX
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MA)

I did a remodification back in XX/XX/2017 in the modification they were going to forgive me {$67000.00} I am trying to sell my house so I called for a payoff amount and they said {$250000.00}. This year in taxes we recieved a XXXX form and a XXXX form from Ocwen Loan Servicing, LLC we ended up oweing almost {$13000.00} in taxes so they kept my state and some of my federal taxes and I went on a payment plan. Ocwen is saying because we were late for a payment we owe the {$250000.00} now they are saying they did not send us both forms when i have the proof in front of me. we can only get an offer of {$180000.00} on our house they have done nothing but play games with us all my papers say regular principle balance {$190000.00} we don't know what to do at this point were we paid taxes on that money of {$67000.00}.
Consumer complaint received 2019-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

This is the second time Jefferson Capital has reported that I owe a debt to XXXX XXXX. I disputed this last year and it was deleted for lack of verification and now it is back on my credit reports with a new date of opening of XX/XX/2018. I have contacted this company twice by phone at XXXX and once by certified letter sent to Jefferson Capital System, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. It was finally deleted off all 3 credit reports and now it's showing back up as a new debt again. I have never had an account or owed anything to a company called XXXX XXXX.
Consumer complaint received 2021-02-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. BK OF AMER Inquired on XX/XX/XXXX, BK OF AMER Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2019-04-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

The Mr.Cooper mortgage company ( previously Nationstar Mortgage ) contact number listed on their website is an automated answering service that is never answered by a live person. After numerous attempts to call at different times of the business day the automated line transfers the line to an office that is always closed. The only way I found that you can reach a live person is to call the phone number listed for new home loans or refinancing your current loan and once I tell them I need answers about my existing loan I am again transferred to the dead end automated line. If you are trying to get anything resolved with your existing mortgage besides refinancing or applying for a new loan there is no contact phone number that will get you to a live person.
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Experian has posted a collection to my credit report from XXXX XXXX XXXX XXXX XXXX, a collector for XXXX XXXX in XXXX  XXXX, XXXX. They say I owe {$15000.00} from a lease. I had a lease with the company that ended in XX/XX/2014 when I transferred to XXXX XXXX. I asked the collector to send proof of the debt and they couldnt provide the evidence. I then contested the collection with Experian, twice, and each time they investigated it and said it was a legitimate debt. How can they do so if the collection company cant provide proof.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Good morning I was a customer of chase credits card I was approved for the XXXX last year in XXXX balance {$6000.00} In XXXX of this year XXXX I applied I received by mail invitation to applied and I was approve with the sapphire credits card for {$16000.00} my credit scored was good than in XXXX I received a letter stating they were closing my accounts with no explanation I call several times and even went to the branch they were not able to help me, I hope you guys can help me, I am frustrated because of that closing my accounts my credit has gone down tremendously and is not fair I been working so hard for it. I even ask them if you guys were going to closed my accounts why approve me. I also reach out to them many times to help me hardship to pay the balance because my job cut my hours but they said I dont qualified for that. 
I so overwhelmed with this situation because of them other credit card had lower my balance I always pay on time and work so hard for my credit scores I feel they trick me to get approved and than close my accounts with no explanation.why approve me with no only one credit card but two and than decide to closed it. 
Thats the worst thing they could do to someone thats been working so hard to get a good credit scores to buy a home now I cant. 
I want for them to remove those inquiries. I really hope that you guys can help me with my situation and dont allowed chase to do this to other people.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecter consumer. As a consumer I am demanding the deletion Of these inquiries listed IMMEDIATELY! 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to any XXXX party company
Consumer complaint received 2019-09-17
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. (WI)

2013 I purchased a home, to find it bat infested and uninsulated. XXXX XXXX XXXX hired a home appraiser which eventually after State of Wisconsin investigation this home appraiser was fined. Here I am paying a mortgage on a unlivable house. My heat bill first winter {$2300.00} even tho I froze, had pipes freeze. Winter # 2, {$1700.00}, still made house payment..then l get injured at work, fall behind on payments, even tho using work comp settlement $ to make place livable ( {$40000.00} ) XXXX XXXX HAS BEEN PAID IN FULL, YET XXXX XXXX XXXX HAS DEGRATORY REMARKS on my credit reports which damage it for 7 years, YET I HAD TO PAY MORTGAGE ON UNISULATED AND BAT INFESTED UNLIVABLE HOME. CONSUMER RIPOFF!! No $ back or reduced interest on loan. No degrogatory remarks removed, XXXX is holding me hostage us what it feels like..No one wants to refinance even tho I'm sitting on equity due to  multiple negative remarks from XXXX XXXX XXXX . A complaint of this also in State of Wisconsin Senators office.
Consumer complaint received 2020-02-06
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/2020 Fraud Resolutions Dept over phone informed me I need to make a list of all the fraud I reported that THEY FAILED TO INVESTIGATE AS FRAUD and write disputes for charges that are OVER 2 YEARS OLD. UNACCEPTABLE. USAA IS ON LINE BANKING ONLY. USAA does not provide adequate options for XXXX ELDERLY. I HAVE NO METHOD OF DOCUMENTING IN WRITING WITH NO HANDS OR ON LINE AS WELL. All my other banks have branches I CAN EMAIL and have contact in writing and they manage to verify me by phone without hours of hassel as is with USAA. USAA neglects their responsibilites of adequate banking services. WITHOUT PROVIDING CONTACT for ALL consumers. XXXX Elderly are targeted. We need more protection from the rampart theft in the world today. AND I DO NOT TRUST USAA I WILL NOT DESTROY MY HEALTH ARGUEING ON PHONE AS ALL USAA REPS DO. I WILL NOT BE INSULTED THAT I AM A LIAR OR THAT I REPORT FRAUD TO STEAL. I NEED WRITTEN CONTACT ( TO ) USAA AND ( FROM ) USAA. With no hands putting in writing is not an option. I can not write. My emails are not secure due to my XXXX HOWEVER IT SEEMS TO BE MY ONLY WRITTEN FORM OF CONTACT. NO MORE SECRETS AND INSULTS. I have maintained an excellect reputation and background for over 71 Years. USAA sends No Reply Emails ONLY They are On Line Only. 
I CALL MAJOR FOUL.
Consumer complaint received 2023-08-10
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. (NJ)

XXXX XXXX dealer services Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 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.

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 conviction, or crimes, which antedates The report by more than seven years.

15 U.S.C. 1681 S-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 information is in accurate.
Consumer complaint received 2023-08-10
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. (SC)

While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : 1. XXXX XXXX XXXX  ; XXXX, Delete this XXXX for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 2. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 3. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Equifax, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-03-01
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. (OH)

Account XXXX Disputed Debt- Not my debt -fraudulant Charge I am officially notifying the Consumer Adjustment Company Account : XXXX that the balance of {$780.00} supposedly owed to a person or thing is a fradulant charge. 
Identity theft reported to police on XXXXXXXXreport filed. 
This was reportly arranged via phone for some kind or payday loan for an amount of {$600.00} sometime in XXXX with a date opened with your collection account process of XX/XX/XXXX. This has showed up on my experian credit report as overdue in XX/XX/XXXX. 
This fradulant loan supposedly involved an account at XXXX XXXXXXXX XXXX 
If you check you will discover that I have never had an account with this bank. 
I never arranged a loan by phone. 

I discussed this dispute with XXXX XXXX on XX/XX/XXXX and obtained All of these fradulant details from her. 
I would ask that you perform an investigation to determine the details of this fradulant act so that I can report to the Federal Trade Commission so as to identify and potentially prosecute the individuals involved. 
I would also ask that you correct my credit report at Experian and remove this so-called debt from my account with your company. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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. (TX)

XXXX XXXX XXXX XXXX XXXX  : XXXX Please review the attached document about mileage at vehicle turn in. Compare the signature to my signature sample and you will see as any judge or court would see, the signature is NOT mine. Also note the signature on the Lessors line. It does not match the name of the Lessor. This document is fraudulent! I never signed this document and even turned the vehicle earlier than the date they have on the document It was not me who signed this document, the other signature is fraudulent as well. I am not playing any games or lying. This is seriously NOT my signature and NOT my document. This document is NOT legally binding and therefore you must delete the inaccurate info you keep reporting to the credit reporting companies. 

XXXX Bank, This tactic you are using is against FDCPA and is deliberate. You all are violating my rights and fraudulent methods you are using can not be used.

Credit Reporting Company. You now know the claims of XXXX Bank are false and they keep sending you verified reports. FCRA requires you to delete these records from my credit report since this data furnisher is fraudulent and not able to provide accurate reporting. They are clearly an abusive predatory lender attacking my credit report to extort money from me that they are not entitled to. Please stop showing bias and favor to what you get back in XXXX from the data furnisher. You are supposed to investigate not just publish what they say! Its a dispute and you are supposed to perform proper investigation considering the fact that the information they provide can be inaccurate thats how you ensure maximum accuracy. This document that they are providing you is proven false and I have made a police report about it! Please delete.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (NJ)

I deposited a check in my citi bank account back in XXXX of XXXX. The bank claim that the check was a fraud and closed my account. I reach out to the bank several time to return the fund back to XXXX since they already had cash the check. XXXX reach out and o them several time to return the fund and until now of XXXX no response from citi bank about the funds they cash and have on hold.
Consumer complaint received 2020-01-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Greene & Cooper Collections LLC (KY)

I was in Bankruptcy in XXXX, XX/XX/XXXX received a letter from Green & Cooper that I had a balance with XXXX XXXX XXXX now, XXXX for a balance of {$35000.00} with no backup data. Received Order of Wage Garnishment XXXX, XXXX. My records currently show I paid {$16000.00} from XX/XX/XXXX through XX/XX/XXXX and total of {$12000.00} from Wage Garnishment for a grand total of {$28000.00}, but I can't get anyone to respond with the details. As of today, I show the balance to be roughly {$7500.00}, but this is also with interest from XXXX through XXXX with no notification from the lender until XX/XX/XXXX. 

Greene & Cooper File Number is XXXX, phone number XXXX. 

Any assistance you can provide would be greatly appreciate. 

Thank you, XXXX XXXX XXXX XXXX