davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
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: AES/PHEAA (FL)

the following accounts was never authorized to report on my credit, and is hurting me, please see below the list accounts on my report : FEDLOAN Account Number : XXXX This is not mine. 
US DEPT ED Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
US DEPT ED Account Number : XXXX This is not mine.
Consumer complaint received 2022-02-22
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. (WI)

Equifax has someone else name XXXX XXXX, birthday XXXX and addresses on my credit file. I informed Equifax on XX/XX/XXXX about this and asked them to delete this person information and any accounts that is relating to this person from my credit file. Equifax still haven't responded and it's been over 2 months and over 60 days. I sent my driver 's license and electric bill through certified mail with tracking. My ID, electric bill, the letter sent to Equifax and proof I mailed it certified is attached to this complaint to help identify the information and correct my credit file.I need this done asap because this is stopping me from getting approved and stressful.
Consumer complaint received 2022-02-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have contacted EQUIFAX on numerous occasions by certified mail. It has become increasingly clear that they are being willfully negligent in rectifying my affairs regarding my consumer report. 

Please see attached documents
Consumer complaint received 2021-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

BMO Harris Bank called and stated that I deposited a fictitious check into my account. The check was submitted to my from my son, XXXX stated the check was. not ficitious. BMO mislead me in result they took my money out of my account and never sent me a check for the balance. BMO fraud department contacted me once and I have never heard from them again. The manager of the local branch also could not assist with my issue. On XXXX, 2021 they informed me my account has been closed but my account still have alerts that are coming to my phone. BMO stole my funds and claim that they sent them back to the lender which is false information. Harvest has not received a check or money transfer from BMO bank. My account was hacked by BMO and all of my funds have been stolen. I have documents from XXXX whom sent the check which clearly states that the check was valid. I'm a gig worker and a sole owner which gives me the right to do banking from my personal checking account. BMO recently told me that a check was mailed out for XXXX. The check has not been received. The BMO account is still active. I recently received a statement which shows me the open active account that is on deposit only. Please see if you can obtain a paper trail for the money that was supposed to be refunded to the lender. I'm an XXXX XXXX  woman and I feel that I have been racially profiled by BMO Harris Bank.
Consumer complaint received 2015-06-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lendmark Financial Services (MD)

I purchased furniture from XXXX in the summer of 2014, I was financed through Lend mark financial. When we purchased the furniture the sales rep advised their was a special promotion were no payments needed to be made until 6 months. I was approved.. Not realizing that this was incorrect information, as statements were being mailed to a wrong address that they had on file. I received a statement from a neighbor which stated I was XXXX months behind. I immediately called the number and explained to the representative, that I was not aware of any past due balance. as the representative at XXXX gave wrong information. The sales rep did not have my correct sale phone number or address correct in the computer, as I did not receive any phone calls or statements. By this time the account was in collections, I explained to the rep that I was currently on bed rest and was only receiving 50 % of my income. She stated I needed to bring account current or account would be charged off. I again tried to explain the situation, to no avail they were not able to help until account was current. I than received a letter stating that there would be court date. I advised that I could not attend due to bed rest. They stated they would send me out paper work to sign and return. I advised when I received the paperwork that I did not agree. I received a judgment on my credit and now they are garnishing my wages 25 %.
Consumer complaint received 2022-01-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carvana Group, LLC (FL)

Re : Account # XXXX, Vehicle : XXXX XXXX XXXX I have sent CARVANA, LLC, and XXXX XXXX XXXX XXXX XXXX a Notice of Pre-Arbitration. I have been attempting to rectify a matter with them on this alleged debt since approx XX/XX/XXXX. CARVANA hides behind the false, misleading, and deceptive practices of its consumers, debtors, and holders in due course. XXXX XXXX XXXX XXXX XXXX attempts to collect on an alleged debt in which I have no contract dealings/assignment with. Both companies who are associated with one another have violated in many ways. They have violated State and Federal laws such as the Fair Debt Collection Practices Act, Consumer Credit Protection, Claims to an Instrument, Truth-In-Lending ( regulation Z ), Preservation of Consumers Claims and defenses, Billing error, and many more. Notice of Pre Arbitration has been delivered and signed for at three locations in which they both operate from. 

Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX XXXX AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ
Consumer complaint received 2021-06-11
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: Nelnet, Inc. (FL)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

2. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

10. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

11. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine.
Consumer complaint received 2019-07-30
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. (TX)

My house was sold and the loan was paid off. It did not go into foreclosure. This is a mistake, please correct it. Please remove the foreclosure remark from my credit report ASAP.
Consumer complaint received 2022-01-20
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: HCFS Healthcare Financial Services of TeamHealth (FL)

I HAVE BEEN DISPUTING AND COMPLAINING ABOUT THIS COMPANY ARS ACCOUNT RESOLUTION TO XXXX FOR THE PAST FEW YEARS NOW, THEY HAVE BEEN ILLEGALLY ADDING AND RE-CREATING OLD CHARGES THAT I AM NOT AWARE OF FOR OVER 10 YRS NOW. ARS KEEPS EACH YEAR RE-CREATING THESE SAME OLD CHARGES THAT SHOULD HAVE BEEN REMOVED OFF OF MY CREDIT LONG BEFORE NOW. ARS HAS JUST FLAGGED MY ACCOUNT WITH XXXX THIS YEAR XXXX ADDING A NEW CHARGE OF : XXXX OPENED ON XX/XX/XXXX?? ARS HAS BEEN ADDING CHARGES THAT ARE OLD AND RE-CREATING AS IF NEW TO KEEP MY FILE NEGATIVE AND DELINQUENT THIS SHOULD BE ILLEGAL, AT TIMES OPENING 2 ACCOUNTS IN THE SAME YEAR, ON 2 DIFFERENT OCCASIONS. DATES : XX/XX/XXXX XXXX, XX/XX/XXXX {$2100.00} AND XX/XX/XXXX XXXX ( SAME YEAR ) : XX/XX/XXXX {$1300.00} AND XX/XX/XXXX XXXX ( SAME YEAR ), XX/XX/XXXX {$1400.00}, XX/XX/XXXX {$1800.00}. PLEASE INVESTIGATE ARS OLD CHARGES RE-APPEARING AS NEW
Consumer complaint received 2023-12-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (OR)

A few months ago I got a email from square support telling me my point of sale account has been deactivated and the funds from my sales would be held for a period of 90 days and providing me with the date of release XX/XX/2023. I have spoken with square customer representatives multiple times after that & I was assured that on XX/XX/2023 my funds would be released for me to transfer out of the square point of sale balance. It is now XX/XX/2023 & I can not transfer my funds out because they are still being held... i have emailed square support multiple times and told my account is deactivated and I can not process payments with square anymore completely ignoring my email to support about my funds ... this is super frustrating and completely unprofessional. I have proof of the square support reps I spoke to all stating that on XX/XX/2023 is the release date. I just want my money so I can move on from this situation
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-11
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: Experian Information Solutions Inc. (PA)

I used XXXX XXXX to freeze my credit I didn't authorize any one to report anything! I have been in XXXX XXXX since 2004 I have not been able to get a bank account in my name at all! It's all inaccurate
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

My business and personal accounts with Chase Bank was restricted pending closure on XX/XX/XXXX, my birthday, due to potentially fraudulent behavior. After speaking with Chase in branch in XXXX, Ohio as well as via phone on the Chase XXXX XXXX XXXX, they told me this was due to sending a {$14000.00} ACH payment to one our our XXXX contractors XXXX XXXX XXXX XXXX 

We have been a Chase customer since XXXX, and this has never been an issue.
Consumer complaint received 2022-01-20
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)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$660.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$390.00} XXXX XXXX XXXX XX/XX/XXXX {$4000.00}, XXXX XXXX XX/XX/XXXX {$1100.00}, XXXX XXXX XX/XX/XXXX {$2500.00}. XXXX : XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2021-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: OKCoin USA Inc. (IL)

On or about XX/XX/XXXX, I opened an account with OKCoin. 

Two out Four deposits were rejected by OKCOIN or the bank for identity concerns. 

I submitted all documentation to OKCoin customer service. 

I was then notified about the deposit issue so I offered to re-deposit funds. 

I didnt hear for customer service until mid XXXX asking me to deposit funds, however my account was never restored to deposit funds. 

The funds have since been taken out of the account however I still have my own personal funds that are not accessible because my account has been suspended for several weeks. 

My account is illegally suspend for no reason at this point if the deposit funds have been recovered and all identify information has been cleared on my end. 

There should be no excuses and my account fully restored. 

My next step is to contact the states attorney general for the lost funds and damages not being able to withdraw my own funds and XXXX.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TRANSUNION Credit Bureau have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 
XXXX XXXX XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00}
Consumer complaint received 2021-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Portfolio Rc Opened XX/XX/XXXX - {$450.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Portfolio Rc Opened XX/XX/XXXX - {$450.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, WA, to close my checking account with them. I took my balance in a check over to XXXX XXXX XXXX XXXX XXXX XXXX and deposited it into an account I had opened on XX/XX/XXXX. 

On Thursday XX/XX/XXXX, I received an email about a low balance notification for the account that I had been assured in person was actually empty and closed. I called XXXX  XXXX XXXX corporate and they told me they would take care of it and close the account. I didn't hear from them again until I received a letter in the mail in XXXX of XXXX that the account was delinquent and had been closed. This triggered an entire credit card collapse with XXXX, XXXX XXXX 's, and XXXX XXXX credit cards I had just opened. When I called XXXX XXXX XXXX they said they couldn't do anything because I hadn't paid low balance fees. There shouldn't have been low balance fees for an account that was deliberately emptied and closed in person at a XXXX XXXX  XXXX location, nor should those other credit card companies have closed their credit lines on me due to incorrect information. 

Additionally, the credit report says my XXXX  XXXX XXXX account existed from XXXX, which is certainly not true. I used XXXX  XXXX XXXX as my sole bank account from XXXX, when I closed it and moved over to XXXX.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WA)

Letter was received XXXX or XXXX XXXX from ERC claiming to be for collection of an overdue balance due XXXX XXXX of {$440.00}. ERC claimed account could be settled for {$310.00}. We have never had ANY dealings what-so-ever with XXXX XXXX. We do not desire to deal directly with XXXX  or ERC if it will suggest ANY legitimacy of this debt.
Consumer complaint received 2021-06-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

My loan was placed in Forbearance status in XX/XX/XXXX. Then, I applied for a loan modification through my current Lender in XX/XX/XXXX. I did not receive a response to my loan modification request until XX/XX/XXXX. I did however continue to make mortgage payments between XXXX and XXXX while my modification was in process. These payments were applied to a suspense account and not my principal balance. In XXXX, the modification offer I received contained conflicting and unclear information ( i.e. different amounts/totals on different pages, inconsistent dates, missed information in regards to my current loan, etc. ). I made a multitude of calls to my current Lender in XXXX for clarification and corrections to the paperwork but received no resolve. Therefore, I declined the offer in XX/XX/XXXX and requested my account be brought current by applying the funds in the suspense account to my principle balance. This took approximately 4 5 weeks and several more phone calls to correct. I have made every monthly payment on time since XXXX through XX/XX/XXXX. However, my current Lender has been incorrectly reporting my account status to all three credit bureaus as 60-89 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and as Unknown for XX/XX/XXXX and XX/XX/XXXX. 
This has adversely impacted my credit scores. One bureau score dropped by 140 points and the other two by 40 points each. I currently do not qualify to refinance my mortgage loan as needed. I also have been unable to obtain additional credit to finance repairs to my home. 
I have made numerous phones calls to my Lender for correction. I was told I needed to submit a request to their Research Dept., which I did in XXXX. I followed up on this request four to five times since via phone and email and have not received a response or status update as of yet. This issue is still unresolved today.
Consumer complaint received 2021-06-11
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: The CBE Group, Inc. (CA)

I have attempted to dispute the inaccuracies such as balance and account number, and dates reporting on my credit file with CBE Group, XXXX XXXX XXXX XXXX XXXX and XXXX. They have all failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated, as it has been approximately 90 days since the first and second dispute was submitted. They negligently and willfully violated the FCRA by failing to properly investigate the dispute or review the letters that were submitted. 

The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. 

Thank you for your time.