davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (KS)

XX/XX/2020-XXXX XXXX XXXX XXXX XXXX approached me to see if I was interested in purchasing a home in the New York area because I had been wanting to invest some money on purchasing rental property for a monthly income since I had retired. I responded and told him yes, what did he have and how much. I told him to send me the info on the property that I could purchase so I could look it up on the internet. He said it would cost me {$2700.00}. A woman he was working with stated that they were selling these properties because of a special government grant for foreclose homes and there was an abundance of them and they could be purchased for a very low price. Two had already been sold so if I was interested I needed to hurry with the money before they were all gone. 
XX/XX/2020-XXXX XXXX XXXX  XXXX texted XXXX XXXX XXXX the following message : 'I found XXXX mother a house its {$2600.00} though in XXXX 4 bed 2 bath. '' She sent:XXXX XXXX - " https : XXXX '' ; XXXX XXXX. - '' this is a different one. The other one sold. XXXX XXXX '' You gon na want to get the other property? '' Monday, XX/XX/2020 XXXXXXXX XXXX - " Hey were you able to get the money everything is done just got ta wait for the paperwork that's gon na b mail to you. '' XXXX XXXX.- " I stated Ok, thank you. '' Tuesday, XX/XX/2020 XXXX XXXX. - " Routing XXXX, Account XXXX, XXXX XXXX, XXXX XXXX, NY XXXX '' ; XXXX XXXX - '' XXXX  XXXX ''. at XXXXXXXX XXXX. I ask What Bank is this going to, please? XXXX Also, what is the amount? XXXX XXXX- '' {$2700.00} '' I said OK. " HSBC '' XXXX XXXX - I ask did she get the picture and address? XXXX XXXX -XXXX answered, " She getting it for me now. '' XXXX XXXX " Is this the address of the bank? response : XXXX XXXX - '' No, hers ''. I told XXXX XXXX ; XXXX XXXX - I needed the bank address for my bank to send the wire to??? '' He gave it to me. XXXX XXXX. I told him the money was on it way. I pray this is all legit ; I am nervous because I do not know anyone, very nervous. XXXX XXXX said don't be ; she is gon na send me a contract stating that if anything goes wrong she would refund me the money with no problem. She gon na send me a contract. Then I asked him to ask her since it was a federal program and the purchase was so low did she know if they had this program here in XXXX that I could look into. He stated she was going to find out right now and would email me everything. She also sent a house in XXXX XXXX in XXXX XXXX, PA XXXX with a potential profit of {$38000.00}.
Consumer complaint received 2018-02-24
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. (PA)

Identity theft Unknown person open account in my name XXXX XXXX  XXXX also known as XXXX XXXX XXXX Date open XX/XX/2017 Amount XXXX dollars
Consumer complaint received 2018-02-23
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: FIRST MIDWEST BANCORP, INC. (IL)

XXXX and this company name, according to XXXX is " XXXX XXXX/XXXX '' both are reporting a negative account on my credit report as result of identity theft. I don't have any contractual relationship with " XXXX XXXX/XXXX '', that makes XXXX and " XXXX XXXX/XXXX '' entitled to enforce inaccurate credit information on my credit file. I tried resolving the issue recently again with XXXX on XX/XX/18, and directly through " XXXX XXXX/XXXX '' but has not had any resolution.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This collection company is reporting erroneous debt to Experian in my name. The debt collector has a debt on my report for  XXXX   XXXX . I have never lived at  XXXX    XXXX   in my life. This debt is not valid and after several attempts to rectify this with the credit agency they have ignored my requests. The creditor has yet to show a signed lease agreement between myself and the apartment agency. They instead continue to submit a fabricated bill with my name on it to Experian. Experain has failed to research the debt in its entirety. They only ask the creditor if the debt is valid and never ask for proof.
Consumer complaint received 2022-05-13
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. (SC)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 


According to the FCRA legally unverified and unauthorized inquires must be removed from my credit report. 

Inquires are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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: Resurgent Capital Services L.P. (NV)

There was no permissible use of any of these accounts. I have made multiple attempts, to resolve this issue. I filed incident reports with XXXX XXXX, and XXXX stating the accounts were fraud. I have issued supporting documents and attached my police report in all claims, and still with no resolution. Below you will find information on those accounts dates and amounts. Please let me know if theres anything else I need to add. 


XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX ( XXXX ) XXXX Amount : {$400.00} Date Open : XX/XX/2017 XXXX. LVNV FUNDING LLC XXXX XXXX XXXX, XXXX, SC XXXX Amount : {$490.00} Date Open : XXXX XXXX
Consumer complaint received 2020-12-22
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: Experian Information Solutions Inc. (MS)

I am writing this due to non-compliance with the ( XXXX, Experian, 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 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

On XX/XX/21 I made my monthly mortgage payment for the monthly amount due XX/XX/21, using Mr. Cooper 's online portal specifically for that purpose ( not the portal for additional principal payments. Mr. Cooper nonetheless designated my payment as a principal payment, putting me in danger of being delinquent on my monthly mortgage payments. Upon learning of this on XX/XX/21, thankfully in time to prevent a delinquent payment, I contacted Mr. Cooper via phone, message, and chat requesting that the misapplied payment be corrected. Mr. Cooper employees agreed to correct the error but refused to provide written documentation on the date my monthly mortgage payment was due other than what I could print or capture from the screen of the Mr. Cooper web portal. Additionally, an employee told me that Mr. Cooper is in the practice of applying payments specifically designated as monthly payments to principal and refused to provide assurance that future payments will be applied to monthly payments per my express direction.
Consumer complaint received 2022-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

There was no permissible use of any of these accounts. I have made multiple attempts, to resolve this issue. I filed incident reports with XXXX XXXX and XXXX stating the accounts were fraud. I have issued supporting documents and attached my police report in all claims, and still with no resolution. Below you will find information on those accounts dates and amounts. Please let me know if theres anything else I need to add. 


XXXX. KOHLS XXXX  XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX ( XXXX ) XXXX Amount : {$400.00} Date Open : XX/XX/2017 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Amount : {$490.00} Date Open : XXXX XXXX
Consumer complaint received 2019-04-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Experian Information Solutions Inc. (CA)

This is XXXX XXXX. I used this card to do my Experian credit reports and after the initial month cancelled it from the account as well as removed it from the account. A week later I was still billed for the service that I had cancelled which has caused me to be overdrawn. I have tried to call Experian to resolve this matter and can not get a live person on the phone. I do not want this service anymore and can't afford it. Stop rooting out old forms with my info and charging my. Refund my money and I'll be done with this.
Consumer complaint received 2021-11-09
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. (MI)

CFPB complaints XXXX and XXXX were filed on XXXX XX/XX/2021 against Equifax for failing to re/investigate inaccuare/unverifiable information furnished by XXXX XXXX XXXX. Equfax responded on XXXX XX/XX/2021 claiming an investigation had been conducted and results had been mailed. 

Unless Equifax examined the documentation supplied and REMOVED the inaccurate/unverifiable information, it is unlikely an investigation was actually conducted. 

The offending information has been persistent on my credit report for over one ( 1 ) year with Equifax claiming its validity simply because the data furnisher reported it through eOSCAR.

It is quite clear from the attached documentation the information reported by Equifax, and furnished by XXXX XXXX is invalid and patently unverifiable given the errors perpetuated by XXXX billing and paymenr reporting system ( s ). 

XXXX 's failure to properly process deferments and forbearances, and subsequent failures in adjusting statement generation, and billing schedules has hindered my ability to borrow from the XXXX XXXX XXXX XXXX ( XXXX ) which is needed to finish my XXXX XXXX. The cited issue by XXXX IS the invalid/unverifiable information on my Equifax credit report for the XXXX XXXX accounts . 

By furnishing the invalid informaton to potential credit grantors, Equifax is now a party to impeding completion of my education program and is now affecting my future employment opportunities because it is knowingly and willfully reporting information that is patently invalid/inaccuarte and unverifiable.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (FL)

It has been drawn out that Credit Bureaus 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 things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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
Consumer complaint received 2022-12-14
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. (NY)

Hi this is XXXX XXXX XXXX, I am contacting the Consumer Financial Protection Bureau about my personal information across all three credit Bureaus, They are reporting names, addresses and phone numbers inaccurately. 
I reach out to all three Credit Bureau with the right information with copies of my Drivers license, social security card and a credit card statement.
Consumer complaint received 2019-04-25
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: Navient Solutions, LLC. (IL)

I have loans with Navient and XXXX which Ive been trying to solve since last year. I have wanted to come to a resolution with my loans but unfortunately someone has filed a class action lawsuit which wont allow me to touch my loans. I cant even pay on them. They have been on my credit report since 2004. They should not be on my credit report after 7 years. I know students who took loans with me in the same year and had the same status as my loan currently is, yet their loans have been removed from their credit report because of the time passed. 
Please have these loans removed from my credit report. Thank you
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (CA)

Guild Mortgage Company never paid any of my property taxes from Escrow during the duration my loan was active due to an incorrect documented Parcel Number. We've just figured out the issue once we paid off and closed the mortgage account. The delinquent Tax Bill is {$8200.00} from XX/XX/XXXX to XX/XX/XXXX. Plus, in XXXX of XXXX, Guild Mortgage was responsible for the 1st Installment of XXXX Taxes for my property. At that time my loan was still open and my XXXX account was active and Tax payment was supposed to be sent to the county. It wasn't sent apparently. The total amount now due is {$13000.00}, because of Guild 's error, we are in the risk of having another Delinquent and losing our home if the payment is not paid. Talking to Guild agents on phone was a pain, their Customer Service is really slow and un-professional. We are expecting Guild to fix the problem asap, and compensate us accordingly. 

Summary for XXXX XXXX Total Amount Now Due : {$13000.00} Select Installment Delinquent Date Amount Due Status XXXX XXXX XXXX ( Secured Bill ) XXXX XXXX XXXXXX/XX/XXXX {$2500.00} Unpaid. 
Includes XXXX XXXX {$230.00} XXXXXXXX XXXX XXXXXX/XX/XXXX {$2600.00} Unpaid. 
Includes Late Penalty {$240.00} XXXX XXXX XXXXXXXX ( Secured Redemption Bill ) XXXX XXXX XXXXXX/XX/XXXX {$8300.00} Unpaid.
Consumer complaint received 2019-06-28
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. (FL)

The three credit bureaus are reporting a medical claim from XXXX XXXX XXXX XXXX that is being falsely reported by a third party. Please see the attached communication form XXXX XXXX XXXX XXXX XXXX Legal Clerk, XXXX XXXX addressing the fraudulent reporting of this matter by XXXX, Experian and XXXX. 
I believe these three companies have targeted me as an XXXX XXXX in attempt to harm individuals such as myself by allowing such false information to be reported to cause financial harm.
Consumer complaint received 2022-05-13
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. (AL)

I sent a certified factual dispute letter to Equifax that was received by them on XX/XX/XXXX at XXXX. I called on XX/XX/XXXX to check on the status and the representative, XXXX XXXX ID number XXXX, told me they had no dispute open. I have receipt of them receiving my letter. This is not the first time that I have not received a response. I have sent seve4ral letters of dispute and method of validation with no response from the company. There are several inconsistent items on my credit report that are hindering me from moving forward in the homebuying process. I spent money sending the letter certified and I have absolutely no faith that they did not receive my letter. I am including a copy of the letter sent with visual proof of incorrect items, as well as delivery receipt
Consumer complaint received 2020-12-22
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)

XXXX and Experian both refuse to remove a bankruptcies that they claimed were verified through a 3rd party, XXXX. Since then, the bankruptcy has been removed from XXXX, admitting lack of verification on their end. Also, reports have been frozen in order to protect my scores during the repair process. They refuse to remove the bankruptcies and have failed to verify the exact process for their verification. Experian removed the bankruptcies after the first round of disputing.
Consumer complaint received 2021-06-10
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. (MN)

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. Mistaken Identity XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information.
Consumer complaint received 2019-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE (MN)

On XX/XX/2019 I received a letter from one of my credit card companies named " BARCLAYS ''. I'm not a new card holder with BARCLAYS, but I've been holding their card for many years. I was shocked that Barclays was the ONLY bank from the banks I hold their cards, asking me to confirm my name, physical address, and the thing that offended me the most is questioning my citizenship ( see their attached letter/copy ). I took offence because they are claiming the USA Patriot Act is the reason for their questioning, at the same time, NO other banks sent me such letter and I have few credit cards! I want your office to understand that I don't have checking, saving or any other accounts with Barclays except the credit card ending in XXXX. I'm the sole user of the card that I been carrying for few years. I'm not convinced that EVERYONE that is a credit card holder with Barclays was mailed this exact letter. My belief tells me this is a " Racial Profiling '' case. I'm wondering if my name for example was " XXXX XXXX '', would I have received such a letter? I am a U.S. citizen living in the U.S. for the past 38 years. I'm filing this complaint with your office with the recommendation of State of Minnesota Office of The Attorney General, to investigate if Barclays sent this exact letter to ALL of their credit card holders OR only a selected few. As you can see in their letter, in bold lettering they are threatening to close the account by XX/XX/2019 if I refuse to submit the information. I'm more than happy to close the account myself if indeed it turns out to be racial profiling. Thank You.
Consumer complaint received 2020-12-21
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. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.