davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc. (FL)

My son lived with 2 other people on the same apartment. This was at XXXX XXXX apartments unit XXXX. XXXX NJ. After my son died on XX/XX/2017. I got notified by XXXX XXXX XXXX that I owed {$1000.00}. I have many copies of fraud used by my son or the other 2 in the apartment. Clearly my son and someone else forged and committed a crime by using my infomation. I ha e sent out numerous proof and nobody has respectfully responded. A big company like this always committs fraud. They need to be help accountable. 
Also when living at apartment XXXX. My son stole an XXXX and a gold watch as per XXXX. he went to jail shorly afterwards and XXXX   because of a XXXX XXXX
Consumer complaint received 2023-03-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2019-09-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (TX)

I Receive notification today that a collection was added to my credit report in the amount of {$370.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my report. This is a violation of my rights and I want this alleged debt removed from my credit report immediately.
Consumer complaint received 2019-09-28
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. (AL)

I am writing this due to non-compliance with ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax has let to mail me a complete copy of my credit report after I reported several issues within them to errors on my report. and information after I opt out for promotional. Equifax refuses to mail me a report after several attempts I requested to them. Equifax mail me 2 or 3 pages and that's it and it has happen the last 3 months I seem not able to see what they have on my credit report in full.
Consumer complaint received 2019-05-01
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: BARCLAYS BANK DELAWARE (MI)

On XX/XX/2019 Barclays Bank Delaware submitted a hard inquiry to retrieve my credit information. Upon notice of this inquiry around XX/XX/XXXX I contacted Barclay Banks via telephone to their " fraud '' department. I explained the issue and I was told they would cease any processing and submit a request to have the hard inquiry removed off of my credit report. 

On XX/XX/XXXX I received a Barclays Bank credit card in the mail at my home address. The card was issued on XX/XX/XXXX and contained a cash line of {$1600.00} and a total credit line of {$4000.00}. 

At no point in the past 24 months have I given permission to have a hard pull on on my credit reports nor I have inquired or applied for any additional lines of credit therefore the hard pull occurred without my consent. Furthermore, I had a credit card issued to me that I never applied or approved up that was issued after I had already contacted the banks fraud department. After being assured that Barclay would take care of the issue, they failed to do so.
Consumer complaint received 2019-09-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XXXX failed to contact me or CFPB within the allotted amount of time. 

Experian requested personal information ; full name, ss number, addresses for 2 years before looking into my dispute. 

XXXX gave no information within their allotted time frame. 

Please refer to my first complaint for details.
Consumer complaint received 2019-09-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item  needs to be removed from my credit report.
Consumer complaint received 2020-09-15
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. (CA)

I filed disputes with the all three credit bureaus and I haven't received anything from them. This shouldn't take more then the 30 days required for them to reply to me.
Consumer complaint received 2019-05-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MA)

This mortgage servicer has been sued in Massachusetts for bad practices they employ to discourage borrowers from pursuing a loan modifications. They string you as long as they can. Fabricate need for paperwork or find flaws even on the date you put on the documents they request from you. " Oh you dated the document XX/XX/XXXX, but XXXX has 31 days, so it should have been XX/XX/XXXX ''. Use that excuse to restart the whole process from the beginning and then blame you and say that it is your fault the modification is not complete because you did not submit proper paperwork. Once you correct that and submit, they take about 2 weeks to let you know they have to restart the process again because there is yet another paper they need. Mind you, they  never said before they needed this paper to begin with. They just keep fabricating and fabricating ... Attorney General of Ma, made them pay fines to all homeowners they had conned. But they have still not learned anything from that and continue with the same deceiving practices. You should see the long list of complaints against them sitting with the Attorney General. Mine is one of  them. 

I am now going through a financial hardship due to losing my job. I know I will see better times and when I do, I will do my best to get rid of this unscrupulous disgusting parasites that call themselves a mortgage servicing company. It would not surprised me if all those positive reviews were fake. I expect nothing less from this company. 

They kept rejecting my application every two weeks and would tell me you had all you need it and then would wait three weeks to say they didn't have what you needed. They had been doing this to me since XXXX, when I first notified you that I had lost my job and was going through a financial hardship. They will say the application is complete and is sitting with the underwriting department, then would wait to weeks to come back to me and tell me they needed more paperwork. They did this until I was 3 months behind. 

Then last Thursday, frustrated I went to their XXXX page to express my frustration with you and let everyone know how crooked they are. It's my right. But this is when you blocked me from your XXXX page, and reported me to the credit bureau the very next day. After three months. All of the sudden, they were not happy about my comments and buhuhu reported me to the credit bureau. Then two days ago, when I decide to send a mass email and include the attorney general 's office. So now after three long months of me waiting, frustrated with your scams and games, they told me that they have denied my application for a modification. It took you three months???
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

I was called by certain XXXX XXXX who said she is from social security informing me that my social security # is being used for money laundering & drug trafficking. She told me that I have a warrant of arrest & a case & ask me to confirm for my social security #, name & address & I gave it to her. She said someone will call me to help me. She gave the case # XXXX & the warrant # XXXX. There was a call after but nobody was answering. So I called the # she used to call me someone answered but then the phone went off.I tried calling the # but it is said it is out of service. I tried getting my credit report but I couldn't get it. So I knew this is identity theft. The even hacked my phone.
Consumer complaint received 2019-09-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have sent numerous letters to the credit bureaus regarding their inaccurate reporting of items on my credit report that should be deleted. Has they have not been properly validated and investigated on the part of the agencies. The credit bureaus continue to neglect that duties to provide fair and accurate information.
Consumer complaint received 2019-09-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent numerous letters to the credit bureaus regarding their inaccurate reporting of items on my credit report that should be deleted. Has they have not been properly validated and investigated on the part of the agencies. The credit bureaus continue to neglect that duties to provide fair and accurate information.
Consumer complaint received 2019-09-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I called Equifax want times and trying get a item removed from my credit file and they took more than 30 days and it still remains on my credit file and they refused to remove it and they have a police report on there system so I called today on XX/XX/2019 and they refused send me a credit report and gain access to my credit file and told I need top send in some documents which I already did back in XXXX ... and I have two fraudulent accounts which is XXXX XXXX card services and XXXX XXXX card and I provided a police report back in XXXX and Equifax refused to accept it and I haven't gotten a credit report from them ....
Consumer complaint received 2019-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (CT)

I had an accident at my job almost a Year ago they took me to the emergency room to check on me, months later I got a letter showing how much i Owe the dept collector I have try using my insurance it Didnt cover it so I talked to my managers about the issue, I called the debt collector to let them know it was supposed to go in my workers comp they told me i needed to get the imformation about the workers comp so it can get paid, I asked my manager the imformation and they have told me to give them debt collector my case number and the phone number to contact the people so my debt could be paid, they said they couldnt do that and arent supposed to call anyone and Hung up, I mention this to my managers they tried to call them and told them about it but they Hung up on my managers so they tried again and my managers told me i dont have to worry that my dept would be paid, weeks past and it still shows that I still owe them money and I dont know what to do, my managers told me this is the only way I can pay my debt and the bill wasn't supposed to be sent to me it was supposed to be sent to my workers comp.
Consumer complaint received 2019-09-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (GA)

Previously this year in XXXX I called in and told them that I was no longer working. We then mutually agreed that utilizing my grace period was the best solution. I called into Lending Club on XX/XX/20 to express my proactive concern about future payments. I told the initial representative that I am still not working and I need additional assistance. I was then transferred to a payment specialist. The specialist preceded to tell me that I either pay or face negative credit reporting. She then broke down the timeline of non payment, after 30 days it reports negative, after 90 days its outsourced, and finally after 120 days its charged off. So I asked are you saying either I pay or face the consequences. She said " Yes ''. 

So I felt a little bullied, and felt she had a lack of empathy especially after I have proven great pay history.
Consumer complaint received 2023-01-27
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. (MI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 2019-09-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (NJ)

Please see email chain- on XX/XX/XXXX they were instructed not to debit a payment until XX/XX/XXXX and still did on XX/XX/XXXX. I have 2 accounts with them and requested this on both loans to wait until XX/XX/XXXX. When I speak to them they tell me there is no email from XX/XX/XXXX which you can see is clearly date and time stamped for XX/XX/XXXX at XXXX EST and they are Pacific time so only XXXX there. I also have sent an email every day now since XX/XX/XXXX which no one replies to and I asked for the supervisor I spoke to to call me back and have been waiting 2 days for that now. They have left me and my family with no money and have been charged hundreds in OD fees now. They refuse to reverse the payments. I also have a dispute in with my bank too. I need {$510.00} for this loan and {$540.00} for the other loan refunded ASAP along with fees I have been charged. Thank you. 


-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX <XXXX> Date : Thu, XX/XX/XXXX at XXXX XXXX Subject : Fwd : Loan # XXXX To : <XXXX> Still no response for over a week now to 3 emails all included in this chain. One on XX/XX/XXXX, one on XX/XX/XXXX, and one on XX/XX/XXXX. I also received no assistance from 2 supervisors I spoke to : XXXX XXXX and then XXXX ( do not have last name ). Both are basically calling me a liar that I did not request to stop this payment for {$510.00} on account # XXXX and another one for {$540.00} on account # XXXX. Both were still debited from my account and you need to reverse the payments today. I guess you leave me no choice but to seek legal advice for not honoring a consumers request if you do not reverse the payments today. 

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX <XXXX> Date : Mon, XX/XX/XXXX at XXXX XXXX Subject : Fwd : Loan # XXXX To : <XXXX> Why did a payment come out of my account today when I set them up per the below? This caused my account to be overdrawn and will need the payment refunded ASAP- immediately as in the next day. There should be no payment coming out on the XXXX either. The next one should be scheduled for XX/XX/XXXX. Please advise when payment will be refunded. 

Thank you. 

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX <XXXX> Date : Wed, XX/XX/XXXX at XXXX XXXX  Subject : Loan # XXXX To : <XXXX> Hi, Please set my upcoming payments as follows : XXXX payment of {$510.00} to process on XX/XX/XXXX XXXX payment of {$510.00} to process on XX/XX/XXXX Thank you
Consumer complaint received 2024-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX 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 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX at approximately XXXX, I used my Chase Bank mobile app to send $XXXX via XXXX with XXXX to a concert ticket seller. The money was sent and by XXXX I had not received the tickets as promised via XXXX. I determined I was scammed. I called Chase immediately so they could reverse the transaction and they stated they could not make the reversal because it had already been taken out of my account. They also refused to help me reach out to the bank where my money was sent to. Lastly, they stated to me that even though I used their mobile app (Chase.com), they have no recovery rights or obligations to retrieve my money because it was done through XXXX. My issue with this is obviously the money that was taken, but the fact that they have an unsecure form of payment on their app and allow their customers to use it without making them accept any type of terms or conditions prior to sending a payment. I need to have my money returned to me and Chase has been of zero help. I called XXXX and there is not an option to speak to a real person. If you select the option that states you use the app through your bank, the recording tells you that you must call your bank for issues and they cannot be of any help because of “privacy”. So the buck is passed yet again. I have filed a police report about this incident that is attached with this report along with my proof of the money sent.
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. (VA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.