davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

XXXX and Experian will not remove my bankruptcy. I sent all my Identity Theft documents along with a police report and etc .... Everything needed. I waited for over 30 days for a response. XXXX is the only one that got back to me and has removed my bankruptcy from my credit report. I sent letters to XXXX/XXXX- new as of last month, my account was transferred to XXXX with new account number XXXX. XXXX refuses to open up my mortgage account, I pay monthly payments and yet they still refuse to correct the information on the account. 

I am so tired of fighting and sending letters through certified mail. I don't understand how you can remove the bankruptcy from my credit report and than add it back on. This is not fair. I don't care about your XXXX report. 

I have Identity Theft reported since the IRS was hacked in XX/XX/XXXX. All my passwords, banking information, credit cards were all reported. 

This is an on going thing for me. Every 3 months someone does something to me. I was able to trace  the IP address back to XXXX, and I reported it to the FBI> Please help ... ..I am working so hard to rebuild my credit report because of the Identity Theft and I can't even pass security questions anymore. 

Thank you, XXXX
Consumer complaint received 2019-07-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

Equifax - need to remove bankruptcy from my account. I sent them everything they needed and I didnt get anything back. 

XXXX. Needs to open my account. They have my mortgage as paid off. Its not I make payments. I sent all the information on another complaint. 

XXXX  Equifax XXXX all show my account closed. 

I cant use the XXXX boost because I have extra security on my bank account because of ID Theft Please help. Im working really hard to settle all of this.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX, XXXX, XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My refinance loan that was closed with fifth third on XXXX has been completely messed up. They also have not even paid the allotted funds to their fifth third trio card and I have continued to accumulate interest charges. The title company also sent me an extra check for a capital one account that I do not have. I have reached out to multiple people at fifth third with no response and also contacted the title company who also provided no answers and told me I just need to contact fifth third.
Consumer complaint received 2024-03-06
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$920.00}.
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (NY)

Affirm is the company. I originally secured the debt in XXXX via XXXX XXXX of $ XXXX and continued payment until XX/XX/XXXX ( last payment of {$89.00} ). I took a few years off to deal with some health issues and have recently reentered the workforce, so I didn't have much time and energy to address this. I've reached out to the company in XXXX and XXXX with no results. I even filed a dispute via XXXX and XXXX. 

Its been years and the company has now charged off the amount of {$240.00} to a predatory lender whose harassing me because the company claims they have no record of my last payment. I'd like this figured out and removed from my credit report ASAP.
Consumer complaint received 2020-09-14
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)

THE ACCOUNTS LISTED DO NOT BELONG TO ME BECAUSE THEY WAS OPEN FRAUDULENTLY SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS WITHOUT MY KNOWLWDGE STOLE MY SOCIAL AND ID I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-02-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

Racial Discrimination 12 CFR 1024.41 - Loss mitigation procedures.

Related to its Handling of loss-mitigation applications and its implementation of foreclosure protections, related to its handling of loss-mitigation applications and its implementation of foreclosure protections .... servicer receives a complete loss mitigation application more than 37 days before a foreclosure sale, then, within 30 days of receiving the complete loss mitigation application, a servicer shall : I SENT ALL THE DOCUMENTS REQUESTED BY FAY SERVICING IN THE TIME REQUIRED BY THE LAW attached file DELIVERY RECEIPT BY POST OFFICE indicating the day of delivery of the package. 
THE MANAGER OF THE ACCOUNT IN AN AGGRESSIVE WAY HE DID NOT WANT RECEIVE THE PACKAGE ACCORDING TO HIM THE INFORMATION GIVEN DID NOT HAVE THE 37 DAYS, THIS IS FALSE BECAUSE I SENDED CERTIFICATE AND THERE IS THE DAY THAT WAS DELIVERED BY THE POST OFFICE. MORE THAN 45 DAYS I HAVE THE TELEPHONE RECORDING OF HOW THIS CHARACTER TREATED ME FOR A LONG TIME AND DELIVERED ALL THE DOCUMENTS BUT FAY SERVING NEVER GAVE ME A SOLUTION. 

Here I List the RESPA Violations Committed Against Me Violation of 12 C.F.R. 1024.41 ( f ) ( 2 ) Y ( g ) 12 C.F.R. 1024.38 ( a ) and ( b ) ( 1 ) ( v ) 12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ) violation of 12 C.F.R. 1024.38 ( a ) and ( b ) ( 2 ) ( iv ) 12 C.F.R. 1024.41 ( c ) ( 1 ) 12 C.F.R. 1024.41 violation of 12 C.F.R. 1024.38 ( a ) and ( b ) ( 2 ) ( v ) Under Sections 1053 and 1055 CFPA, 12 U.S.C. 5563, 5565, 12 C.F.R.1024.41 ( b ) ( 2 ) ( ii ).

12 C.F.R. 1024.41 ( c ) ( 1 ) ( ii ) 12 C.F.R. 1024.31 12 C.F.R. 1024.38 ( b ) 12 C.F.R. 1024.38 ( b ) ( 1 ) ( v ).

12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ).

12 C.F.R. 1024.38 ( a ). 14 12 12 C.F.R. 1024.38 ( b ) ( 2 ) ( iv ) 12 C.F.R 1024.38 ( a ) 12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ). 52.

12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ).

12 C.F.R. 1024.41 ( f ) ( 2 ) o ( g ) Thank you for your assistance.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Scott Fetzer Financial Group Inc. (NE)

I talk to them and told them I dont owe them any money they were rude and argued with me called after hours now theyre trying to get into my credit to mess that up even though my x husband messed that up with domestic abuse. I had to get a Protection order on my x husband. Another person from the same company is trying to Get financial records proof of income proof of power of attorney which Im not, They would not listen to me so I never got it resolved they have my phone number my email my address I dont have any idea how they got that.
Consumer complaint received 2019-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: MoneyLion Inc. (AZ)

I received a loan from Moneylion INC through an application on my smartphone ( XXXX ) into my checking account around XX/XX/XXXX. I paid off the loan XX/XX/XXXX but received a call in XX/XX/XXXX saying they never received the funds from my bank, I reviewed my checking account and they were correct so I agreed to pay it back without issue. I have attempted to repay the amount owed ( {$510.00} ) and each time no payment is processed, every time I call I am on hold for an hour before speaking to someone. As of this complaint, this is my fourth time attempting to pay off the loan and the application is threatening collections for nonpayment due to their computer errors.
Consumer complaint received 2019-07-15
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 ()

PayPal permanently limited my account and I haven't done anything against their policy and I would like this limitation to be removed as its not letting me have buyer protect from some damaged items I received and also use there service or buy items or receive or send money
Consumer complaint received 2018-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC (PA)

Constantly getting calls from Quality Asset Recovery. XXXX.

I do have debts, but none are in collections, and have a credit score above XXXX. All of my bills/debts get paid on time.

No matter what I do or say, they continue to call and harass. I just want it to stop.
Consumer complaint received 2018-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I would like it if I could submit the letter I typed in detail about the problem along with my statement from the bank. 

I deposited a check sent to me from my dad of $ XXXX gave me {$200.00} right away ( XX/XX/2018 ) and told me the funds would be available on XX/XX/2018. 

That didnt happen they keep telling me that the account is restricted yet they closed the atm card, sent me a letter telling me that too along with dont use any check that I still have for the account cancel any direct deposits or auto bill pay they wouldnt let online bill pay go throu yet a transaction for {$270.00} went through after the account was closed and they charge me {$260.00} for check fees after I sent the checks out not knowing what they were going to do. 

They still have my money and wont release them.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX CT XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I sent out a dispute letter to Equifax on XX/XX/2020 and XX/XX/2020 in regards to inquiries incorrectly reporting. No changes have been made to my credit report.
Consumer complaint received 2018-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TN)

I have submitted a requested a mortgage modification with financials to Caliber Home Loans. I have a 1st and 2nd mortgage with them. My interest rate adjusting out frequently has put my family in a hardship, I have requested a fixed rate mortgage payment. I was recently denied because they stated I have excessive debts. The only debts I have is my mortgage payment. This is incorrect information my income does allow me to pay a mortgage payment. I feel I'm being discriminated against because I'm XXXX I want to keep my home. Please Help!!!!!!!!
Consumer complaint received 2023-07-17
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
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
Consumer complaint received 2022-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

Dear PayPal, I m here because and i wish get help for anybody who s can help me please. 

On XX/XX/2022, I contacted PayPal because for days I could not access my account. After a long conversation, the agent was able to locate the account and realized that it had been stolen. 

Even all the money had been withdrawn to a bank account that is not mine with terminal XXXX. 

In that same order, the PayPal Analyst opened a case with the following information : This account was stolen from unauthorized access since XX/XX/2022. The client 's account was hacked. the email address was added ( XXXX XXXX XXXX XXXX ) does not belong to the customer. On my end i tracked many different device was used ( os device and phone devices ) do not correspond to the client 's history, I saw multiple connection from VPN and I have tracked the IP and it does not correspond to the client 's history. Withdrawals made to the terminal bank account XXXX XXXX XXXX XXXX were not authorized by the client and this account does not belong to the client. All transaction has been reported with the case CASE XXXX and all transaction has been reported in the case too. CASE XXXX PLEASE REVIEW ALL TRANSACTION HAS BEEN UNAUTORIZED. XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$100.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$2900.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$2800.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1800.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1300.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1200.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1200.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1200.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$1200.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1200.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$1400.00} Get help to customer get a refund. 

So, all information was describe on the case, he told me many time VPN was used for login and other information was added too. 

After this problem my account was limited Reference ID : XXXX, I never had any dispute of my payment received, I never had any problem before, I always use PayPal in agree with all policy. 

XXXX Limitation ID : XXXX Case of unauthorized access and Transaction : CASE XXXX and Case XXXX
Consumer complaint received 2022-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC (CO)

Using Zelle through XXXX account, {$300.00} was transferred and goods were not received. Person indicated they would email electronic tickets once I sent screenshot. I sent screenshot and they said wait. The time passed and I never received email or transfer. While the transaction was still pending I tried to stop payment and the bank could not.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have two credit cards with Bank of America and have never been late since they were opened. On about XX/XX/2022, Bank of America closed one of the credit cards with a positive balance of about {$430.00} without my knowledge. Bank of America reduced the balance to {$0.00} without refunding the credit balance to me. They also made the credit cards online information inaccessible for me to check past charges. The card was closed immediately XXXX XXXX and XXXX sent false and inaccurate collection balance information to XXXX and other credit bureaus. Bank of America did this without regard to the potential impact on my credit rating. When I went to the XXXX branch and complained to a manager about it she told me that the refund was mailed to my home few months ago. When I told her that I did not receive it, she promised to deposit it in my checking account with Bank of America. I have not received the credit up till today.
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTER
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-27
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)

I reviewed my credit report and noticed unauthorized inquiries on my credit report and contact TransUnion the inquiries and dates are as follows 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  I have submitted a ftc report, report number XXXX TransUnion is making it extremely difficult to resolve and remove these unauthorized inquiries. And violating my consumer laws in the process
Consumer complaint received 2018-02-22
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. (IL)

I have sent a total of 4 letters to all of the major credit bureaus stating that they remove accounts related to my name because there was no verifiable proof that the account belonged to me. Under the FCRA any account that is not proven to be yours has to be deleted. Not once was there any contracts or verifiable proof stating that such accounts belonged to me!