davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/2021 XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OK)

XXXX  XXXX XXXX dont have a active collection account XXXX was put under my experian credit where XXXX XXXX XXXX filed a comolaint against XXXX  XXXX stole social security number and open a cell phone account under XXXX XXXX XXXX and XXXX XXXX XXXX  then charged XXXX XXXX XXXXXXXX XXXX XXXX debt collection to my account
Consumer complaint received 2022-02-02
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. (TX)

I contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander. 


Promptly delete the inaccuracies from my report and be sure that I am the person openings these accounts that are associated with my name for goodness sake I have never lived at these addresses
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2021-06-10
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. (NV)

I have never done buisness with companies such as XXXX Equifax, XXXX, ECT. Not have I ever given them my social security number, yet they all hold records in their vulnerable insecure systems linking my name to my social security number. I never gave any one of these companies notice of my social security number, or the permission to store, share, sell, report on, ect. the fact that they not only store this information, but readily offer it to countless others, solely in the name of profit, constitutes identity theft. I demand, diplomatically for now, that they each cease and desist these practices immediately as it pertains to my sensitive personal private information. Please make no mistake, this is not a request.
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

I recently refinanced my home from PHH Mortgage. According to PHH Mortgage I was to receive a refund within 2-3 business days of the note being paid off. That check cleared on XXXX. I have contacted PHH again and they are stating they have requested a copy of deed from the town and they have not received. They further stated the refund can take up to 90 days. Just because I have had numerous issues with this bank I am inquiring if this is legal. Thank you!
Consumer complaint received 2019-07-27
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. (OH)

Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But XXXX, Trans Union, and XXXX  all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time.
Consumer complaint received 2019-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

In XXXX we built our home at XXXX XXXX XXXX XXXX XXXX NC XXXX. The Bank required us to obtain a Flood Elevation Certificate which stated we were in Flood Zone XXXX and we had to purchase flood insurance in the amount of {$390.00} paid at closing. In XXXX we received a letter from XXXX  XXXX XXXX stating that the Flood Maps had been re-evaluated and we were no longer required to  hold a Flood Policy on our property. They were not foreplaced by the Bank. I contacted my agent at the time with XXXX XXXX. Our flood policy was not renewed and expired at XXXX A.M on XX/XX/XXXX. In XXXX we refinanced our XXXX mortgage and obtained XXXX Appraisals to accommodate the XXXX mortgage. Both appraisals indicated the home was located in Flood Zone X and included a XXXX Map dated XXXX but had different Flood Map numbers while the home was actually in Flood zone AE formerly XXXX. XX/XX/XXXX, Hurricane Florence flooded our home up to the roof. The home remained under water for about a week due to the waters receding slowly. Damage to the home is in excess of {$150.00}. 
Wells Fargo will no longer work with us on a forbearance. 
Attached is all the supporting documentation.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Sunbit, Inc. (SC)

The company has been debiting my acct for a purchase that was made through XXXX XXXX The purchase was never received due to merchant not able to provide goods. The sunbit company has been charging my acct let alone reporting on my credit report and at this point I have no acct with them. They have refused to remove from my credit report as well as give me my money back for something I never did receive. Which I have proof it was cancelled from the original company who has also reached out to sunbit numerous times. 

I was charged. {$110.00} on XX/XX/21 And {$56.00} on XX/XX/21
Consumer complaint received 2019-07-27
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)

Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But Experian, XXXX XXXX, and XXXX all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time.
Consumer complaint received 2018-05-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Schreiber Law Firm, PLLC (FL)

The XXXX XXXX XXXX is the company in question. I had been receiving calls from a XXXX number asking to collect a debt for weeks. In the call in prompts you to dial 9 to be connected with a representative.Every time I pressed 9, the call was never answered. I would attempt to call the number directly and they never answered either. Finally on Tuesday, XX/XX/18, when they called again I pressed 9 and after several rings someone answered. The person who answer asked me for a case number. I informed him that his company was calling me. He interrupted me and said you need to listen to the instructions on the call. He was rude and very short with me but soon after told me that they were going to subpoena me if I didn't pay the debt owed and levy a judgement on me. I informed him that I have perfect credit and don't have any outstanding balances. He said that is not what he has in the system and if I want avoid them coming after me, I better pay the debt. He did not explain where the debt originated from and only antagonized me to pay up.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MS)

I have a new Citi credit card. Initially the card didn't work because Citi wanted to verify my social security number. I submitted the documents they required and within a few weeks the card began working. Shortly though, the card began declining charges again. This is a new problem with the same credit card. THIS IS NOT ABOUT THE SAME ISSUE AS MY PREVIOUS COMPLAINT.
Consumer complaint received 2019-10-15
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. (FL)

I am requiring to remove wrong account XXXX/XXXX from my credit report. I have no idea why this account showed up on credit report, because I never applied for this credit card and never received any credit card. Please investigate this problem and remove this account as soon as you can. I recently contacted XXXX XXXX and they does not have any information about transactions. I do not want that account which do not belong to me being in my credit report.
Consumer complaint received 2019-10-15
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 am requiring to remove wrong account XXXX from my credit report. I have no idea why this account showed up on credit report, because I never applied for this credit card and never received any credit card. Please investigate this problem and remove this account as soon as you can. I recently contacted XXXX XXXX and they does not have any information about transactions. I do not want that account which do not belong to me being in my credit report.
Consumer complaint received 2019-01-30
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: LDF Holdings, LLC (CA)

My name is XXXX XXXX. I am a XXXX Consumer from California. At XXXX XXXX today on my cellualr telephone ending in XXXX I got a SMS Need FAST CASH!? Apply NOW at XXXX. XXXX Txt Stop To Stop XXXX XXXX is not ok and woke me up. This is a violation of the California Rosenthal Act to say the least. Contacting any consumer before XXXX is not allowed. 

This complaint also involves the parent company LDF Holding LLC.
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (TX)

I've been trying to correct the issues with Colony Brands i.e. XXXX XXXX  XXXX, XXXX over a year. Most of these orders were made while I was in the XXXX for 2 years, therefore, they did not confirm it was me before opening and/or confirm any information.. I used several avenues to resolve the issue with different agencies and they would not respond with the agencies so the case was closed. I specifically told this company I did not place any orders with them ... if the company would have checked my credit report, it says not to open nor place any orders without confirming it is me. I spoke to XXXX in the Corporate Office and was assured he would provide information so I could review it. Then were to remove charges then close all the accounts. I did not receive any other contact from Colony Brands  ... i.e. XXXX XXXX  XXXX or XXXX. They could not provide any information that would substantiate any orders, therefore, I will not be responsible for anything that isn't mine. I receive reports from XXXX  XXXX showing past due accounts that I felt were resolved over a year ago. There was a file # XXXX ( Colony Brands ) and FTC file # XXXX. Colony Brands waited until they thought I would have forgotten about the issue without any proof of FTC, discussion with them or documentation. Now Colony Brands trying to bully me into paying a debt I do not owe by placing inaccurate information on my credit report at all credit bureaus. 
The charges are fraudulent and are an inside job with their companies with the burden of payments on the victim. I am on a Social Security Fixed income and can not /will not pay for anything I did not order.
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied for a loan modification in XX/XX/XXXX and have been working with Bank of America for the past year to try and get help. The home in question is a rental property in my name and my husband and I were separated for some time so he moved into that property. When this information was provided to Bank of America, I was told to have him sign a lease agreement showing his occupancy in the home which we did. We went back and forth on proof of occupancy being needed and what we were providing not being sufficient. My husband and I then reconciled and he moved back into our primary home and we rented out the property in questions. We sent updated documents to show the new tenant 's occupancy and for the last five to six months have been denied because they can not verify our income. They said that because there are two lease agreements they have conflicting information and will never be able to help us. We discussed with them the timeline in which everything took place with our relationship manager, XXXX XXXX, she said that XX/XX/XXXX they received a copy of a lease agreement under my husband 's name, XXXX, and on XX/XX/XXXX they received a lease agreement under XXXX XXXX because XXXX moved back home and we leased the other property to XXXX. XXXX said that I needed to wait until the first application was removed from the review and then updated the information. I asked why 65 days went by without them removing our application and she said that a letter would have been mailed requesting additional information with a due by date and since that date did not pass the file was still open on XX/XX/XXXX. I asked her what the due by date was and she said she does not know because she does not see the letter was sent. I told her she was contradicting her previous statement and she said on XX/XX/XXXX a representative called to verbally tell me what was needed and a letter was not sent. I told her that it was my understanding by law that they need to mail a letter asking for additional information and can not just verbally call and ask for it. She responded and said that when they receive a packet they will respond with a letter of anything that is missing initially and after that they only verbally call if anything else is needed. She previously said that a letter with a due by date would have been mailed in XXXX which is why the file was still open but then later said there was no letter and they would verbally call. Nothing she said made any sense and I am stuck with being in foreclosure, on the verge of losing my home and they are refusing to assist me. I have provided the lease agreement and two checks from XXXX with her name and address showing her monthly rent payment to me and the money being deposited into my bank account. They have violated multiple laws with the handing of my mortgage.
Consumer complaint received 2023-04-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (NC)

This company calls me multiple times a day starting the day after the bill is due. My bill is due on the 1st of the month and they give no grace periods before they start harassing phone calls. I hardly ever get paid on or around the 1st of the month so they call me constantly starting on the 2nd of the month. Today is XX/XX/XXXX and it's not even XXXX ; I have already received 4 phone calls today alone!! Its frustrating, harassing and annoying to be called so many times a day. Not only that but they dont leave messages either, just constant calls. Up until XXXX I was up to date on my bill and have never been more than a month behind ( a few days or a couple weeks at the most, maybe ) so to be called so many times daily is beyond annoying. This is harassment and is ridiculous business practices.
Consumer complaint received 2019-07-27
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. (NV)

I am not responsible for paying the accounts..I do not owe this debt nor the accounts XXXX XXXX   XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, .. I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap
Consumer complaint received 2021-06-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Chime Financial Inc (MO)

Chime Credit Builder Account Resolution of disputed transactions Amount of time allotted for reconciliation Excessive paperwork given hardship ( XXXX XXXX, lacking adequate coordination to file repetitive accusation Hotel bookings directly with hotel, no return of deposit, no price match given guarantee, and discrepancy of policies for deposit, available services VS limited services during pandemic ) Communication open and easily accessible- see histories of accounts. 
No update from Chime No open communication regarding reconciliation process though guaranteed No acceptable processing time frame ( given multiple times and reasoning when made aware of personal hardship numerous times )
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from Knight Adjustment Bureau about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer.I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any accounts since you are the furnisher. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite XXXX All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2019-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (ID)

I repeatedly asked them to stop calling me between XXXX as I am at work. They called multiple times a week during my work hours. When I repeatedly said I can not talk during work, they said that would result in being turned over to an attorney for legal action.