davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency :, XXXX, XXXX, & XXXX ( XXXX XXXX {$2200.00} ) {$770.00} XXXX 's ( {$590.00} ) XXXX 's ( {$1900.00} ) XXXX  ( {$240.00} )
Consumer complaint received 2022-06-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paypal Holdings, Inc (MS)

On XX/XX/2020, I the consumer utilized Paypal Credit in which I had a surplus credit amount {$1600.00} to pay my car note of {$390.00} ( Exhibit A, Exhibit B ). On XX/XX/2020 Paypal attempted to collect my car payment from my debit card in the amount of {$390.00} without authorization which is in direct violation of 15 US Code 1602 ( p ) ( Exhibit C ). Furthermore, they threatened to report this false claim to the credit bureau which is in violation of both 18 USC 876 and 15 USC 692 ( e ) ( 10 ) causing me mental anguish, XXXX, and stress ( Exhibit D ).
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Corp Solutions Inc. (OH)

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : Credit Corp Solution XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ) XXXX, XXXX, & XXXX ( XXXX XXXX {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXX 's ( {$1900.00} ) XXXX ( {$240.00} )
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Hello I humble myself to make a request for deleted payment. I have been a loyal client and have over 50 credit account most of which were revolving accounts 40 plus of them. I humble myself to ask after making attempts in the past to have the company forgive my one or two max late payments. Im asking if you could intervene on my behalf.
Consumer complaint received 2018-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

This is a follow-up to Complaint Number XXXX.

Nationstar 's response to the above-referenced complaint CONCEALED the existence of the mysterious {$60000.00} withdrawal ( see attached, pages 1 and 2 ), and the fact that XXXX ( as trustee ) was overpaid ( according to its own reports ) by {$25000.00} ( see attached, page 3 ).

The response also confirmed that Nationstar charged me a {$110000.00} undocumented " corporate advance '' plus {$180000.00} interest ON TOP OF the unpaid interest that was automatically added to the principal pursuant to the terms of my loan agreement ( see attached, page 4 ).

Nationstar 's falsified documents constituted a fraud on the court, and damaging me by {$380000.00} which amount I will seek to recover through an independent lawsuit.
Consumer complaint received 2022-06-20
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. (SC)

On XX/XX/2022, a letter was sent requesting an investigation into late payments for XXXX XXXX, late payments for XXXX XXXX, late payments for XXXX XXXX, and into the removal of a XXXX account because it was a pay for delete account. A response nor the method of validation was provided within 30 days according to the requirements of the FCRA. 

On XX/XX/2022, another round of letters were sent requesting a reinvestigation into the same accounts for the same reasons. Again, the method of validation was not provided and the accounts are still listed after the 30 day period. 

In accordance with the Herors Act, creditors are not allowed to post negative information, such as late payments, during the Covid-19 pandemic and 120 days after.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (DC)

I recently received a copy of my XXXX, Equifax and XXXX consumer report and I noticed some accounts that should be EXCLUDED from my consumer report 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 2020-02-04
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: CL Holdings LLC (NV)

Jerrerson Capital system has been attempting to collect a debit from me that does not belong to me. I have advised the creditors as well as the credit bureaus that account number XXXX does not belong to me. I was asked by the compmay to supply a copy of my ftc report which I have mailed at least 5 times and this account is still showing on my credit report, I would like Jefferson capital to stop attempting to collect on this debit with me and close this account
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX XXXX XXXX, XXXX XXXX XXXX,. XXXX, XXXX, XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Consumer complaint received 2022-06-20
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. (SC)

On XX/XX/2022, a letter was sent requesting an investigation into late payments for XXXX XXXX, late payments for XXXX XXXX, late payments for XXXX XXXX  and into the removal of a XXXX account because it was a pay for delete account. A response nor the method of validation was provided within 30 days according to the requirements of the FCRA. 

On XX/XX/2022, another round of letters were sent requesting a reinvestigation into the same accounts for the same reasons. Again, the method of validation was not provided and the accounts are still listed after the 30 day period. 

In accordance with the Herors Act, creditors are not allowed to post negative information, such as late payments, during the Covid-19 pandemic and 120 days after.
Consumer complaint received 2020-07-31
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)

In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureau to have these items removed.
Consumer complaint received 2022-06-20
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. (OH)

I submitted this complaint to Equifax Information Services XX/XX/XXXX and it was received on XX/XX/XXXX per tracking # XXXX XXXX XXXX XXXX XXXX Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX / XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax Information Services furnish this information. 
Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Consumer complaint received 2022-03-07
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. (CA)

Here is the complaint about XXXX XXXX  who disowned the account disputed. If this creditor claims that this account does not belong to them, they need to order the credit bureaus to DELETED THIS ACCOUNT FROM MY CREDIT REPORT or UPDATE IT TO PAID AS AGREED NEVER LATE ( PAANL ). XXXX, XXXX, and Experian reported it for a long time with a piece of inaccurate information.
Consumer complaint received 2024-02-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (LA)

On XX/XX/2024 I sent a request for the agency to validate the alleged debt. However, they responded with a lease that couldve been written by anyone as it did not have a company letterhead on it as well as a fee breakdown list of charges that appeared to be typed by anyone and if its opened on a word document its editable without a letterhead. Them sending that information doesnt FULLY validate a debt and make a person liable for it based off a lease with a first and last name on it without solid proof that its in fact the person responsible. Anyone could type up a lease and a fee breakdown making false statements. Also, the agency has been reporting different balances. The balance was once {$3200.00} and now its XXXX XXXX. Im responding back to the company as they did NOT resolve my request.
Consumer complaint received 2018-12-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aura Mortgage Advisors LLC (MA)

Im having issues about finding out about my 45 % of shared appreciation that I owe my bank even after 30 years paying off my mortgage. Back in 2013 when I couldnt get loan modification from my previous bank and I fall in foreclosure, XXXX XXXX XXXX offer to purchase my house at the market and sell it back to me for 20 % more, I assume that was that profit, I dont recall shared appreciation cost was discuss, its possible but dont remember as I was so desperate to stay in my home with my family. The interest rate is 6.375 %, it will never go down because they dont have refinance options and if u try to sale or refinance thats when u get charge shared appreciation fee and even after 30 years paying your mortgage off u still get charge shared appreciation on what your house it worth so which mean u paying a 30 years rent with no benefits. When I find out about it, they told me that I will get some credit for works that was done in the house then it was no credit, it just nonsense, taking advantage of people on their lowest is just wrong wrong. Hopefully u could help please because I really dont think is fair
Consumer complaint received 2018-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (OH)

Ditech Financial LLC has wrongfully denied me of loss mitigation assistance.The reasons stated in their denial letter ( s ) are untrue. I have provided them with all the requested documentation to prove their reason for denial is incorrect.They have foreclosed on my home and a sale date is pending.
Consumer complaint received 2022-03-07
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. (CA)

Here is the complaint about XXXX XXXX  who disowned the account disputed. If this creditor claims that this account does not belong to them, they need to order the credit bureaus to DELETED THIS ACCOUNT FROM MY CREDIT REPORT or UPDATE IT TO PAID AS AGREED NEVER LATE ( PAANL ). XXXX, Transunion, and XXXX reported it for a long time with a piece of inaccurate information.
Consumer complaint received 2018-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have been a customer of 5/3 Bank since XX/XX/XXXX and had good expierences with them up until XX/XX/XXXX. I did a mobile deposit to Acc # XXXX and was given {$100.00} available upfront. On XX/XX/XXXX the funds were not available and the bank took back the {$100.00} in funds that were given upfront. I was advised on XX/XX/XXXX that the funds would be available fully on XX/XX/XXXX. I disagree with the decision. On XX/XX/XXXX I went to my local bank branch and spoke with XXXX regarding the extended hold and explained I have never had an extended hold placed on a deposit before ever in 4 years. I also brought proof that the business I deposited had cleared from the other bank and showed a statement where the funds were available from the other bank account at the other institution. The local branch at 5/3 has done nothing to help me receive the funds any earlier with the proof that they cleared. It is 7 days before the XXXX Holiday and now im without funds to pay for my bills, living expenses and XXXX for my family. I have attached a copy of the Reg CC hold guidelines that the bank claims they did to my deposit. I was never given the first {$100.00} and my hold was longer then 5 business days. The deposit was less then {$5000.00}
Consumer complaint received 2022-03-07
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX BANK Account XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-12-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC (CA)

XXXX XXXX he has changed company name twice since Ive spoken with him. He has got in contact with me about a debt. But on days he can not contact me hes called my relatives and has gave them information where I work. My addresses and phone numbers. XXXX.
Consumer complaint received 2019-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

OneMain XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This has been an ongoing issue as a copy of my personal information was stolen while hospitalized more than a month. I have never had a One Main Financial Account, credit cards or other miscellaneous accounts that were opened due to fraud. I have had multiple XXXX XXXX, been in a XXXX and had copies of my identification stolen from the XXXX XXXX XXXX South Carolina. The theft was reported to police. I do not have income, therefore, would never be issued any type of loan. OneMain XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc. (MN)

To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.

also please remove this account from all three of the major reporting agancies ASAP IN WHICH THESE ACCOUNT ARE SHOWING ON MY CREDIT REPORTS please remove the accounts from my credit report!

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector also Please send me any signed documents with my signature attached as I have never opened up an account with your company! as I have never signed any application to open up any accounts with your company
Consumer complaint received 2018-12-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I sent a request for validation and dispute on XX/XX/2018 by fax. I never received a copy of the original dispute and requested why this was reported to Collections. I have received no response to my first request sent out XX/XX/2018, 30 days has passed, evidence attached. Second time I sent out another request by certified mail on XX/XX/2018 and received only a statement with two pages of the contract and no evidence I owe the debt in question. Sending only a statement with partial information is not proof debt is owed. 
My licensed agent with a POA on file with this company sent by certified mail, called and spoke with a XXXX XXXX and got nothing but yelled at, interrupted and wrongfully accused of arguing about the collection in question. Mr. XXXX could not get his request achieved with a fare answer. Conversation is attached that was recorded by his office.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (WI)

I took my vehicle in for repairs at the local XXXX dealer. The repair bill was approximately {$5200.00}. The XXXX dealer offered me a XXXX credit card to pay for the bills. I was told that the card was 0 % interest for the first 6 months. Which it was. I then received a statement 6 months later that I was over my credit limit. I called the XXXX Credit card company to ask how that could be seeing I was making my payments on time and have not used the card besides the initial transaction to pay for the repairs. They then told me that after the 6 months they added all the interest for the past 6 months to my account seeing it wasn't paid off. There was nothing that disclosed this on the paperwork and the XXXX deal did not disclose this during the process. That amount was approximately another {$1200.00} that I now had to pay. I have since paid the card off in full, but would like to recoup the extra money that I believe they gouged me for by not disclosing it and falsely advertising to me a 0 % interest for 6 months.
Consumer complaint received 2022-07-24
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. (NC)

There is a debt on my credit report that I have disputed that was not deleted after asking for the debt to be validated. It was verified without sending me any information on how it was confirmed. I sent this letter to the credit bureaus on XXXX/XXXX/2022. The debt amount is XXXX this debt was bought by a third-party collection agency. I would like this debt deleted from my credit report because I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of a letter. It was not done in that time frame and also the debt was never verified as being mine debt and I never received verification on how it was verified it just was updated and I was supposed to just accept it and or pay it. I want it deleted immediately.
Consumer complaint received 2022-03-07
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. (CA)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-03-07
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXXXXX XXXX XXXXXXXX XXXX XXXX