davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
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. (NC)

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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I was the victim of identity fraud. All of my accounts were hacked, my XXXX account, my XXXX account, my bank account, my cell phone and my paypal account. Someone emailed people from my XXXX account and had them wire thousands of dollars. I XXXX  XXXX and they contacted XXXX   buyers  and got their money which made me lose XXXX sales. The hackers took my cell phone and opened a fake XXXX   page after hacking and deleting my XXXX  page. Then they transferred money from my bank account and my paypal account into this XXXX account. I opened a dispute with my bank and they refunded my money but paypal said it was an authorized transaction and wont give me my money back. I want to open a dispute with paypal to try and get my money back. I called the police and made a report the XXXX Ohio  police dept. I also filed a complaint with the attorney generals office and the fbi. I didn't file cases against paypal just the identity theft. You are the only one i contacted specifically to go after paypal. These were the dates and charges and all were sent to the same XXXX account XX/XX/2019 {$170.00}. {$120.00}. XX/XX/XXXX. {$75.00} {$75.00} {$50.00} XX/XX/XXXX {$35.00} {$25.00} {$25.00} {$25.00} TOTALLING {$610.00}. Please help me get my money back i am single  and XXXX XXXX. I am broke and really need the money. I can provide you with all the reports from the agencies
Consumer complaint received 2023-06-30
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. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on 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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3500.00} XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Apothaker & Associates, PC (NJ)

Now I've disputed with both XXXX XXXX  and the lawyer who is representing them. I did not recieve any letter in the mail that I was being sued, court date or anything to challenge them. I requested numerous times and disputed with letters this account. They can't produce anything. No copy of any original contract with signature only copies of statements which aren't proof at all. They did not send me anything that they are producing to the bureaus as 100 % verified and accurate. They directed me to their lawyer and I received nothing but a letter today of court. XXXX said they have nothing with my signature and everything was started online. All this is done without my knowledge. Instead of addressing this issue and since they couldn't prove anything a lawyer is involved.
Consumer complaint received 2023-06-30
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX Balance : {$21000.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: General Motors Financial Company, Inc. (CA)

I have recently been informed that there is negative information reported in my Credit Report by GM Financial in the file that they maintain under my social security number. Upon reviewing a copy of my credit report. I have been notified that the billing address was incorrect. I have never received a billing statement from GM Financial. I understand that mistakes happen, but their inaccurate information could cost me higher interest rates and I have enough expenses as it. this is affecting job opportunities and my living situation for my family.
Consumer complaint received 2022-08-18
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. (FL)

This was previously reported to the FTC Report No. XXXX. I have not received an update. 
I learned on XX/XX/XXXX from EXPERIAN that XXXX XXXX has flagged my account as CHARGE-OFF on XX/XX/XXXX with a Balance of {$38000.00}. 
My letter to the director of finances of XXXX XXXX ( XX/XX/XXXX ) Formerly Loanpal 1. The Loan Closing Certificate dated XX/XX/XXXX, indicated that the Total Loan Amount was {$38000.00} 2. The Amortization Schedule of the First Year [ XXXX ] called for 12 payments of {$160.00} or {$2000.00}. 
3. The Amortization Schedule of the Second Year [ XXXX ] called for 5 payments of {$160.00} or {$840.00} plus 7 payments of {$240.00} or {$1600.00}. Thus, a total of {$2500.00} were paid. 
4. From XX/XX/XXXX to XX/XX/XXXX XXXX XXXX received {$1600.00}. 
This time was when the automatic withdrawals were stopped because, without previous warning, XXXX appeared on the scene. 
5. Thus, SINCE THE INCEPTION of the loan up to XX/XX/XXXX, XXXX XXXX XXXX was paid {$4500.00}. 
6. Further, the XXXX XXXX statement of XX/XX/XXXX gives the Outstanding Principal {$37000.00}. Yet, according to an Annual Amortization Schedule by XX/XX/XXXX, the end of the Second Year, the Outstanding Principal should be {$35000.00}. Thus, I request a copy of your amortization schedule. 
7. The attached checks for {$720.00} each to my letters of XX/XX/XXXX, and XX/XX/XXXX, were CASHED ON XX/XX/XXXX and XX/XX/XXXX. Thus, {$1.00}, XXXX are to be added to the {$4500.00} paid up by XX/XX/XXXX for a total of {$6300.00}. The Total Amount Due by XX/XX/XXXX, is {$7400.00}. Thus, the remaining amount to fulfill the Third Year Amortization is {$1100.00}. According to the Annual Amortization Schedule by XX/XX/XXXX, the end of the Third Year, the Outstanding Principal should be {$34000.00}. 
So, where is the reason for CHARGE-OFF on XX/XX/XXXX with a Balance of {$38000.00}?
Consumer complaint received 2023-06-30
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. (GA)

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Experian and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Experian and XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX  Balance : {$2400.00}.
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (SC)

Since XX/XX/XXXX I have been calling Transworld systems Inc to have a debt of {$4300.00} removed from my credit due to an eviction. I have never lived in the apartments that forwarded this debt. Transworld requested documents from the apartment via email and have not received anything. A representative stated in XX/XX/XXXX they reached out to the XXXX landing apartments and have not heard back regarding the requested information. I called again on XX/XX/XXXX, was told the same thing again : we have submitted a request to the company and still waiting for a response. 6 months and this has not been removed or answered. I cant even get a home for my XXXX kids and I because this is on my credit. Please ask them to stop stalling and remove this from my credit since the original owner of the debt has not sent requested documents in over 90 days!!!
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (NJ)

I made a purchase for the XXXX XXXX class with The XXXX XXXX for {$1800.00} on XX/XX/2022. The website was having difficulties and eventually the purchase went through but I did not receive the class. I contacted the XXXX XXXX where they told me that they had never received payment and if there was a charge on my account to contact the bank. I proceeded to contact the bank where they told me that I needed to call back to dispute the charge when the charge posted to my account. I waited 3 days and called back and was told a provisional credit would be in my account 24-48 hours after the phone call. I called after the 48 hours had passed and the provisional credit was not there and then they said it would take another 1-2 days. I then reached out by chat where they told me provisional credits take up to 10 days to appear in the account from the date of the dispute. I waited the 10 days and still had nothing returned to me. To make this even more ridiculous, they said that I would be sent a document to fill out and either send back or take to the bank. They said if I took it to the bank, the provisional credit would be in the account on the same day. I received the document, took it to the branch and they faxed it over. My provisional credit was still not returned to me after that. It has now been a month since I first disputed this transaction and the bank is still refusing to return the money to my account or provide me with provisional credit. This was not a case of buyers guilt as one of their representatives on the phone very rudely suggested it was. I had to work out a payment plan with The XXXX XXXX in order to purchase the class for my fianc who is registered to take her XXXX in XXXX and could no longer wait to register for the class as this was the last class she could take before her exam date. They are violating their own policy of provisional credit within 10 days and almost prevented my fianc from taking her class. Not only do I want my money returned to me, but PNC will need to do something to make this right as this has caused us both an extreme amount of stress and if I am not satisfied, I will be seeking legal counsel to sue for the theft of my money and the damages of the pain and suffering caused by the theft of my money to my fianc and to myself.
Consumer complaint received 2022-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (PA)

Our mortgage company, Loan Depot, sent us an updated escrow analysis with overinflated tax numbers. This has caused our mortgage payment to go up significantly. Theyre collecting twice the tax amount although weve continually told them that isnt correct and there seems to be no way for us to get that money back. Theyve failed to adjust to the correct amounts even though weve provided documentation on several occasions showing correct amounts. This has been going on for 2 months now. Whenever we call were pushed off and told it will take a few more weeks to analyze. Weve continually gotten a runaround from Loan Depot. Weve continuously asked for clarification and have gotten bounced back and forth between departments. All of this is on top of the fact that although we have a fixed rate that is 2 % lower than our previous mortgage company, our school and local taxes have not gone up, and we have no PMI since our refinance, our monthly mortgage payment is all of a sudden more than the original mortgage payment.
Consumer complaint received 2022-08-18
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: CCS Financial Services, Inc. (MS)

In According to the fair credit reporting act XXXX  account CCS Collections Agency has violated my rights. 
15 U S C 1681 section 601 A section 1 states I have the right to privacy.

15 U S C 1682 section 602 section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2017-11-04
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. (IN)

XXXX XXXX XXXX PERKS SENT ME AN LETTER OF ERROR REGARDING THE CORRECTION OF ACCOUNT. WHILE LOOKING AT CREDIT REPORTS FAILED TO COREECT LATE PAYMNETS ON ALL CREDIT BUREAUS EXCEPT XXXX. PLEASE CORRECT ALL LATE PAYMENTS FOR THE ACCOUNT IS PAID IN FULL NEVER LATE CLOSED AND SEND ME A LETTER TO HAVE THIS ACCOUNT REPORT TO XXXX.
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX hard inquiry on XX/XX/22, 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 2022-08-18
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: Franklin Collection Service, Inc. (MS)

In According to the fair credit reporting act XXXX account XXXX XXXX XXXX has violated my rights. 
15 U S C 1681 section 601 A section 1 states I have the right to privacy.

15 U S C 1682 section 602 section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-01-07
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. (FL)

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from XXXX XXXX XXXX, I never contacted or contracted with this company. I contacted XXXX XXXX XXXX by phone and letter. This is very frustrating and embarrassing, I tried challenging their Accuracy and Integrity but with no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.
Consumer complaint received 2022-08-18
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2022-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emergent Business Group, Inc. (WI)

I received a letter dated XX/XX/2022 indicating that I owed an amount that is not mine. The letter only provides the name of the creditor and the amount owed, along with a message that requires a dispute of the claim. Their website requires you to provide your phone number and email address to dispute the claim. I should be able to dispute the claim WITHOUT providing additional personal information. The whole reason someone was able to impersonate me is because they have my personal information. I have no idea who this collection agency is or whether it is legitimate. The collection agency is Emergent Servicing, XXXX XXXX XXXX, XXXX, PA.
Consumer complaint received 2022-03-08
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX and I am filing this complaint for false reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have my student loan account on my transunion report 3 times with the same start date and balance all under diffrent companies. It was not sold and was a government loan. Im paying on it .one of the accounts reflects this. Triple reporting is unethical and against the law.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Hi, I have sent certified letter Credit Acceptance # XXXX about this account. I have requested Validation of Debt, which they have never provided and I'm not familiar with this account. 

There has not been a payment made on this account in over 12 months ; therefore, account should be reported as Charge-Off / Written Off. The account say ACTIVE AND OPEN. 

It's against the law to lie to investors stating you have open accounts when you really don't. Therefore, CFPB may want to look into Credit Acceptance as well.

Please remove this from my credit report ( s ) ASAP! As I have requested information and it was never provide and it's been over 35-60 days. I have the certified mail receipt if required as well.
Consumer complaint received 2019-02-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (GA)

ON THE XX/XX/2019 AMERICAN EXPRESS ONCE AGAIN CUNDUCTED WHAT IS KNOWN AS A BLOCK PARTY CALLING RELITIVES NIEGHBORS AND WHO ELSE KNOWS. MR XXXX XXXX EVEN TOLD ONE THAT HE WAS GOING TO CALL PAST EMPLOYERS AND TELL THEM IM A DEAD BEAT. I HAVE PERSONALY INFORMED HIM NOT TO CONTACT THIRD PARTY PERSON ( S )  RELATED TO ME NOR MY ACCOUNT. 
I HEARBY DEMAND THAT YOU CEASE AND DISIST ALL FUTURE CALLS AND TO UPDATE YOUR FILES TO INDICATE SUCH. BEING THAT YOUR EMPLOYEE HAS USED TATICS AND THREATS I REQUEST YOU CEASE AND DESIST UPON RECIEPT OF THIS NOTICE. 
I REQUEST THE COMPANY GIVE ME 30 DAYS TO CONSULT WITH AN ATTORNEY FOR LEGAL ADVISE INTO THIS MATTER BEFORE THEY MAY CONTACT ME VIA MAIL OR THE NUMBER THEY HAVE FOR ME ON FILE.