davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (NC)

21st mortgage purchased my home loan. When they first contacted me they were harassing me for payments that were not due to them but my previous mortgage holder. I was told to learn how to pay my bills, after completely hostile phone calls and inappropriate behaviors from 21st mortgage I have blocked these calls due to feeling threatened into having my home taken for being XXXX day late. I am currently just XXXX  days late I have been locked out of my account until I speak with the account manager. I do not feel safe speaking with these people I just want to pay my mortgage as due.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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. The items found within my credit report that I listed on the following pages are 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 some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

SOUTHWEST CREDIT SYSTEMS XXXX XXXX To whom it may concern : I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. DELETE THIS ILLEGAL ITEM
Consumer complaint received 2022-11-01
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. (AZ)

The account from XXXX that is being reported by TransUnion was previously challenged with the CFPB due to the UCC Article 9 violation law. The account was also disputed with XXXX and XXXX credit bureaus. As the attached documentation shows, XXXX recently deleted the account from XXXX. TransUnion was subsequently contacted and asked to also delete the account from all affected credit reports to comply with the FCRA. The request was not granted ; therefore, I hereby challenge TransUnion 's decision and request the CFPB to enforce the FCRA laws and require TransUnion to delete the account from XXXX immediately.
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00}
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The information that have been falsely submitted and continue to publicize with my name with any credit bureau ( s ) needs to be removed immediately. Failure to do so will result damage to my Life, Liberty and the pursuit of Happiness, an I will bill additional charges per civil rights violation. In accordance with the Fair Credit Reporting Act. Violating my rights 15 U.S.C. 1681 section 602A. 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 or solicitation of any account information without my written instructions.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported. 

1 ) Balance 2 ) Origination Date 3 ) Date of last action/activity 4 ) Date of last payment These are all inconsistent over XXXX, TransUnion, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part.
Consumer complaint received 2023-08-21
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. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have been scammed by a company called XXXX XXXX for a data entry job. I was giving a check to deposit to my account for the equipment that the company said I have purchase once the check deposit. On the second day before the check cleared I texted my bank HSBC on their online chat, telling them that this maybe a bad check and how do I stop it from depositing or can someone help to figure this matter. The agent told me that the check was okay and it is already deposit and that nothing is wrong with the check. I told them I feel like I have been scammed and I am not sure what to do about this situation. HSBC agent never once told me or guided me about anything instead they assured me everything seemed okay. But I had a bad feeling inside, then I had turned down the offer for the position and told them I was no longer interested, the guy name XXXX XXXX from XXXX XXXX yold me I have to return the money back to the supervisor immediately. This is the third day, once the check had deposited not once the bank notified me that the check was a bad check, I never been in this situation and didnt know what to do so I rewired the money back to his supervisor for {$3300.00}. This happened on XX/XX/XXXX, and the rewire was supposed to go through by the XX/XX/XXXX the bank confirmation said. But not once the bank called to tell me that this check was a bad check. On XX/XX/XXXX I went to check my account to see the updates. That is when I tried to login into my account, and was not able to login. I called the bank after being rerouted about 12 times that is when I got of hold of someone from the fraud team and they told me that the check was a bad check and now I have a negative balance of {$3300.00} in my account which is why they closed my account. I have to now pay the bank {$3300.00} which I dont have at all.. when all this time I did this for a job. I have never been in this situation, I have been victimized in this situation and the bank is now telling they can not help me even though I have been scammed, apparently it is too late. I dont have the money or a job I told them many times the agents were not clear on their end as many times I told them I felt like this was a scam and how to handle the situation. I dont know what to do next. Especially in these hard times when I can not afford to get a job. Please help.
Consumer complaint received 2021-10-19
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: JPMORGAN CHASE & CO. (CA)

XXXX, XXXX XXXX, and XXXX have not bother to investigate thoroughly! If they did, they will know that this happened without my consent, in a totally different state that Ive never visited, by people that I do not even know! 

The police dont want me to keep coming in to file police reports, because Ive already filed one, and they said identity theft happens very often. 

Please assist me with regulating XXXX, XXXX XXXX, and XXXX, to correct these issues,. 
Because these accounts do not belong to me!
Consumer complaint received 2023-07-25
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: Nelnet, Inc. (NV)

I have co-signed my daughter 's XXXX XXXX student loan. 
Every month Nelnet Department of Education reports different balances while the loan has been deferred. 

Because of this practice, my credit continuously falling score fell from XXXX to XXXX, thus putting me in hardship. 

After spending months trying to find out who is responsible for Nelnet XXXX or Department of Education, every entry points this to credit. Credit bureaus clearly say we report what is reported to us. 

This harassment must stop.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

On XX/XX/2023, I found that my HSBC U.S. account, including my credit card account, was suddenly suspended. I asked the customer service and was told that the account would be closed within 60 days for no reason. Before that, I did not participate in any illegal transactions, did not commit any illegal acts, and paid the credit card bill on time.
Consumer complaint received 2023-10-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Acceptance, LLC (CT)

I asked company if I could pay XXXX XXXXXXXX towards the late fees and then send in payments every other day until the balance of my vehicle loan is current. I was told they are denying me to pay the amount I offer. XXXX would like me to pay XXXX  bring the account under XXXX days of repossession. Then they can assist me. I then ask the XXXX  are they denying my attempt to pay on a debt she stated yes. I document this down. I only wanted To pay Something towards vehicle loan. I was told no because of the status of the vehicle. Pay XXXX  they can not take less than that.
Consumer complaint received 2019-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NC)

In XXXX I changed Loan Consolidation Companies from XXXX, North Carolina XXXX XXXX XXXX, and XXXX to a third party online Federal Student Loan Consolidation Company called XXXX. XXXX XXXX and I had several conversations about the new management of my XXXX  XXXX and XXXX XXXX and he assured me that my Education wouldnt be at stake. I suffered from an accident inside of my own home in XXXX when all of the sudden I was out of commission and struggling to regain my own health for thirteen consecutive months in a row since XXXX, XXXX. In XX/XX/XXXX I returned to my hometown and applied for Federal Student Loan Forgiveness or Cancellation due to my XXXX XXXX and  XXXX XXXX XXXX XXXX application that I completed with a Real Medical Doctor in XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX contact numbers ( XXXX ) XXXX. He has been a Family Doctor since XXXX. And in XXXX he and I together finally got approval for {$50000.00} Dollars of Federal Student Financial Aid or Federal Loans borrowed from The Federal Governments Department Of Education from XX/XX/XXXX to XX/XX/XXXX in the amount of {$30000.00} Dollars. My Social Security Card was stolen before my accident inside of my own home at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX phone ( XXXX ) XXXX email : XXXX XXXX XXXX Password : XXXX. The Hospitals Group Home for Adults needing 24 hour care was XXXX XXXX XXXX XXXX or XXXX XXXX, XXXX. Managed by XXXX XXXX XXXX that changed management in XXXX and is now called XXXX XXXX. ( With the Butterfly ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX phone ( XXXX ) XXXX. The workers there were XXXX, XXXX, XXXX, and XXXX XXXX Supervised by XXXX XXXX. My peers and roommates were XXXX, XXXX XXXX, XXXX, XXXX, and XXXX. Two people came into the Group Home about one or two months before I was to be XXXX  completely and understood that I had Federal Student Loans Outstanding with a balance due of more than {$30000.00} Dollars since XXXX. She told me about Federal Student Loan Forgiveness and that through, by, and with XXXX XXXX XXXX XXXX approved by an MD that my Loans could be reduced and possibly forgiven due to a XXXX XXXX and an Application Form Process that takes approximately one year to Complete inside the The Federal Government. XXXX XXXX made this process take six years. Thank you.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

accordance with the fair credit reporting act XXXX  Account 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.
Consumer complaint received 2021-10-19
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: Uplift, Inc (GA)

THERE ARE 3 XXXX XXXX  Unauthorized inquiries COMPANY NAME XXXX XX/XX/2021 COMPANY NAME XXXX XX/XX/2021 COMPANY NAME XXXX XX/XX/2021 I HAVE 1 COLLECTIONS COMPANY NAME UPLIFT account that is fraudulent.I have contacted the company. I was informed that this was a loan taken out in my name, I have never received funds or anything. I have spoken to this agency twice. 

Company name XXXX XX/XX/2021 Company name XXXX XX/XX/2021 Company name XXXX XX/XX/2021 Company name Uplift account XX/XX/2021 2021
Consumer complaint received 2023-05-23
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. (AR)

XXXXXXXX XXXX XXXXXXXX is erroneously reporting, this account was paid in full and closed months prior, now suddenly appears on my credit profile as a collections and open. Pursuant to 18 USC8, I owe no debt and had a XXXX balance when I closed this account, this company is violating my consumer right to privacy to 15 USC 168 1b 2. This company has no o permission to repot anything using my info Pursuant to 15 USC,1681 4, Also deformation of my character.
Consumer complaint received 2019-04-20
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. (MO)

After being notified about my credit report, I seen accounts inwhich I have absolutely an knowledge of. Not sure if my name gotten mixed up due to me being a XXXX., or did someone out right steal my identity. Whatever the case may be I'm disputing the following accounts as of my consumer rights as fraud. The accounts are, 1 ) XXXX  XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX   XXXX 5 ) XXXX XXXXt {$230.00} 6 ) XXXX XXXX XXXX Please remove these accounts or provide me with a physical signed certified contract for the above accounts or remove them immediately.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NY)

Im XXXX I have 6-8 late payments that are on my credit report. I was on XXXX XXXX that year. I have called each credit bureau several times & submitted several disputes in regards to this situation.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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. The items found within my credit report that I listed on the following pages are 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 some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I paid off my mortgage with PFCU. The transfer actions attached. 

However, there is a discrepancy with the payment application. 

On XX/XX/XXXX, I paid accrued interest of XXXX ... and then paid XXXX accrued interest for one day from XX/XX/XXXX-XX/XX/XXXX! Further, the transfer amounts do not equal the amount applied to the mortgage leaving a balance of XXXX which should at a minimum be a credit with accrued interest. 

When I asked the question of PFCU, silence.
Consumer complaint received 2023-08-21
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. (NY)

I appreciate the effort of the XXXX XXXX to remove all the specified fraudulent inquiries from my XXXX credit report, and although 2 out of 5 fraudulent inquiries were removed from my XXXX credit report it was still not enough so I NEED the XXXX Credit Bureau to finish it by removing these remaining 2 fraudulent one. And regarding my Equifax Credit Report issue the Bureau have NOT REMOVED the only two fraudulent inquiries that I mentioned from the start, and I need the Equifax Bureau to remove them as soon as possible. I am requesting an assistance from CFPB to please help me in solving these issue, by making sure that the XXXX and Equifax Credit Bureaus to remove these inquiries listed in these compliant : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX