davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-24
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. (CA)

XXXX, Equifax XXXX XXXX have failed to accurately report and remove fraudulent accounts from my record. I was XXXX from XX/XX/XXXX until XX/XX/XXXX. As a result during the period of my XXXX  multiple fraudulent credit card accounts were opened in my name. Three XXXX XXXX XXXX accounts : XXXX XXXX XXXX  XXXX XXXX XXXX Master Card {$9800.00} & XXXX XXXXXXXX {$5800.00}. These cards totaled over {$33000.00} in fraudulent debt resulting from identity theft. XXXX  department store credit card {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX credit card totaling {$4800.00} in fraudulent debt resulting from identity theft. I submitted the required documents XXXX police reports, letters from XXXX XXXXXXXX XXXX multiple times to transition bit they have failed to act appropriately on my behalf. All of the accounts listed were opened between the periods of XXXX and are all a result of identity theft.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have not been able to get an accurate credit report since XX/XX/2023. The Credit Bureaus XXXX and XXXX are unable to give me accurate reporting or my annual report after request. No access online anywhere on any site. 
I am part of the data XXXX, XXXX and TransUnion data breach. I am a victim of identity theft. 
I am promised accuracy in my credit `report based on federal law I am writing again as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and except validate it so I request that you remove it now. 
I am promised accuracy in my credit `report based on federal law I am writing as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and validate it so I request that you remove it now. 
plus all 23 inquiries except for the recent XXXX XXXXXXXX inquiry
Consumer complaint received 2021-07-16
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: DISCOVER BANK (CT)

I have this account that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (UT)

After receiving a Stimulus check and my most recent Social Security Direct Deposit to my Direct Express card ceased to work with at least {$800.00} dollars still on it at the last time I checked my balance. The following when I rechecked my balance by phone which is the only way I have ever checked it, the process had changed by now asking for either my ss # or the entire debit card number. I responded in consecutive tries both ways. immediately on completion my call was cut off. I have been trying to reach them for more than a week, each time either being put on hold for as much as 2 hours only to be disconnected or immediately cut off. I have reported it to the Fbi, my local police dept. and the local XXXX TV station. In digging around the Internet ot try to find out how to reach Direct Express, I have only found 2 phone numbers and both react the same when I try to get information they disconnect after I enter the prompted requested information. 
In my looking for help on the internet I came across the XXXX XXXX XXXX XXXX XXXX of Utah, which lists 90 complaints nearly exactly or very similar to mine, that have been registered since late XX/XX/2019.
Consumer complaint received 2019-06-05
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (NJ)

I did a Mortgage Modification back in XXXX of XXXX with XXXX XXXX to have our Principal reduction lowered on our Mortgage for over a three year term. XXXX honored the agreement and as of XX/XX/XXXX the 1st of three reductions was taken off the principal reduction. On XX/XX/XXXX, the 2nd of the three reductions was taken off the principal balance. In XXXX of XXXX XXXX XXXX sold out loan to Shellpoint Mortgage Services and to date, they have not taken the last reduction off and it is now XX/XX/XXXX. I have called them over and over and over since XX/XX/XXXX and constantly get a different answer or they do not know what I am talking about. If I myself as a homeowner did this to the Mortgage Company, I would have lost my house and the Agreement would have been Null and Void so why are they not being hit with any consequences? I have fought for 6 years to get this far and now again, I have to fight. I am ready for a nervous breakdown and just want this resolved ASAP. Please tell me what can I do. I have attached the Loan Modification for you to please review. 

Thank you
Consumer complaint received 2020-05-05
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. (NY)

To Whom It May Concern, I was on my XXXX XXXX account middle of XXXX. I had noticed there are some missed payments on here that I feel are 100 % inaccurate and that I pay on time. I have tried calling these companies the past few days but it's been long hold times as of XX/XX/2020. I am going to send you guys pictures of the late fee 's I am talking about. I want this all to be fixed under fair credit reporting act. I have always paid on time so I am unsure how they feel I had late fee 's if I ever was late I am sure was worked out. Any help here to get this accurate would be great. thank you for your time. Anybody has any questions please feel free to call me so we can resolve this.
Consumer complaint received 2019-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

on XX/XX/2019 I contacted TU on the phone based upon a recent alert I received saying that there had to be an error pertaining to my FICO score from TU. 

I advised that my FICO had gone down 50 or more points, for NO reason, no explantion of why, no factors explaining why. 

I spoke to customer service and as advised that I was speaking to representaives in XXXX. I asked why XXXX and XXXX FICO had gone up in the 700 's but TU dropped so dramtically, the represntaive did not understand my question. I repeated myself several times, I then asked for a suprevisore, after 15 mins or so, I female supervisor came on the line. I asked the same question she advised my if I wanted the factors of why FICO dropped I would need to pay XXXX $! I disputed thisa and she said that what its costs, either pay or she cant help me! 

this is a crime, its illegal, there is obviously a error in TU system and no one can answer me, and If pay she can tell me!
Consumer complaint received 2019-06-05
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. (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXXXXXX {$5100.00} ; XXXX XXXX XXXX  {$720.00} ;
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The XXXX XXXX credit card account ending in XXXX was charged off and sold to XXXXXXXX XXXX XXXX. Then sold to XXXX XXXX. I settled and paid in full on account and was promised a pay and delete. But Id settle for the comments on report saying paid charge off. Or paid and settle for less. Not a charge off account. Plus I have proof of a letter showing its paid.
Consumer complaint received 2018-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 I attempted to log in to my Chase account. I received a message saying that my account was suspended. I contacted the bank and they told me my account was being closed and that I would have to wait for 10 days for my account to be closed and that they would mail me a check. I was not notified that my account would be closing and I have no access to my funds. I also had money transferred to my account in the amount of {$800.00} that was also held up that is needed for bill.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

American Express is once again NOT following the Acts put in place in order to protect consumers and businesses during the pandemic. American Express CONTINUES to SHUT DOWN my accounts - we can not use our cards EVEN THOUGH WE ARE UNDER ALL OF OUR CREDIT LIMITS! Then they say they obtained some credit report that states I'm looking for credit WHICH IS NOT TRUE - another financial institution tried to pull my credit ( which is currently LOCKED ) WITHOUT MY PERMISSION and American Express is PUNISHING us for that! We are a small business trying to survive through this pandemic. It's UNACCEPTABLE! I call American Express almost daily now because they continue to SHUT DOWN MY CREDIT USAGE and we are unable to make even small purchases on our business accounts! They continue to deceive us, lie to us, waste our time, etc. They have NO INTEGRITY! WHEN will they be held accountable? WHEN will their CEO XXXX XXXX be HELD ACCOUNTABLE for the damage enabling his company to do to small businesses and consumers during a pandemic?!
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX  {$5900.00} XX/XX/XXXX. 
Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because Equifax didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$290.00} XX/XX/XXXX Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because Equifax didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$6500.00} XX/XX/XXXX This is incorrect, payments have been made and haven't been honored. I can provide truthful accounting records. How can I only have a credit limit of {$1000.00}, but used {$6500.00}? How does that add up? 15 USC 1611 is a criminal penalty of a year and or a civil penalty of {$5000.00} per violation. If Equifax is to be a credit reporting agency then XXXX XXXX must be available at all time. I did not close the account because I am the creditor. 

XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX This debt has been paid in full. I have the documents proofing as such. This account was closed fraudulently.15 USC 1611 is another violation of my protected rights.
Consumer complaint received 2019-06-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC (NV)

XXXX has sent me to collections for a debt I do not owe. I have spoken to XXXX 5 times in the last few months and GC Collections once, informing them this debt is not mine. I received no goods or services from the original creditor, XXXX. XXXX will not state why they are charging what they say I owe.in addition to this false claim, XXXX proceeded to send my account to GC Collections. Once again, XXXX won't tell me what I owe, nor did I receive anything from them- goods, services or otherwise! I will not pay.
Consumer complaint received 2022-09-14
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. (GA)

I gave inquires on my credit report due to thief. I was told by Transunion to send copies of my social security card, ID, Police report, and papers from XXXX to remove all inquires that were made by someone else and information to report the bankruptcy charge off. I sent Transunion all these documents by certified mail and they proclaim they didn't received them which is a lie because I got confirmation from the XXXX stating that it was picked up on XX/XX/2022 @ XXXX XXXX. Which is located in XXXX, XXXX. XXXX deleted the bankruptcy which they suppose to due as XXXX instructed them, but they chose not to. I have an updated police report concerning all of the inquires for all inquires to be removed. Transunion stated that they never got these documents which is a lie because they singed for them please review attached documents.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

Sold my house in XXXX  XX/XX/XXXX recieved proceeds for sale XX/XX/XXXX and deposited said check along with a second check on same day on XX/XX/XXXX chase froze all my accounts with them and said they can not call the issuer of check because there number is not a secured # so because of this they will be closing all of my accounts on XX/XX/XXXX and will be keeping the proceeds from the sale of my house ( XXXX ) plus any other money i had in my account they claim after my account is closed they will be sending all of my funds to the state of XXXX  ; even tho the issuing bank confirmed with chase that the check was cleared. i was never given a chance to submit the legal documents from the closing i need this money to be returned this is my life savings and as of now i have no access to any money
Consumer complaint received 2019-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recovery Associates calls me every month or so asking if there is a XXXX XXXX ( This is not my name ) the latest number is from XXXX. The first time i received a call more than 6 years ago, the name happened to be my grandfathers. i told them this but it was clear very soon that because of the DOB and SSN it was not him OR ME. i go through this whole conversation every month with them. They tell me my name willl be taken off, then i get a call in a month or so!. i have called the number back the last few times and the same person picks up! VERY FRUSTRATING!!!
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (MI)

I have been paying on this vehicle since XX/XX/XXXX. In XX/XX/XXXX I attempted to pay my XXXX XXXX XXXX car note online and was prohibited from doing so and given an XXXX number to call. I called the XXXX number and was transferred to the collections department. The representative stated that my account was 90 days past due even though I have proof of the past 3 months payments. The representative agreed that she sees my XXXX and XX/XX/XXXX payments but stated I missed XXXX payment. I inquired how could my account be 90 days past due if you have record of a XXXX and XX/XX/XXXX payment. I was told my account has a {$1500.00} balance. I requested an itemized statement of charges. I proceeded to pay my monthly {$460.00} note. In XX/XX/XXXX I was prohibited from making payment and when I called them the representative stated my account was 180 days past due and my vehicle was in repossession as of XX/XX/XXXX then said XX/XX/XXXX. I inquired as to why I have not received any written notification of repossession ; the representative had no knowledge why. The rep stated I owed {$2800.00} to avoid repossession. I again requested an itemized statement to prove their claim, the rep gave me a XXXX XXXX location to send my payment to. I sent a cashier 's check for {$1400.00} for XXXX, XXXX and XX/XX/XXXX payments. I never received the requested documents. A XX/XX/XXXX call to Kia Motor Finance the rep stated my account was charged off and in repossession even though I never received any documentation stating such. The rep stated the {$1400.00} payment went to cover XX/XX/XXXX even though I already paid XX/XX/XXXX. Kia Finance America has erroneous billing practices and has not sent any documentation nor applying payments sent to my account.
Consumer complaint received 2018-05-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OR)

I have been unable to pay one of my three private loans due to my funds being restricted, I have sent them a written notice specifying this information but I still keep getting e-mails, letters, and phone calls. They also contact family and friends whose information I did not provide. I understand that legally, they are allowed to do most of these things to collect on the debt. My complaint is certain faulty tactics they use to try to contact me or to attempt to get a reply from me ( even though I clarified I am unable to make payments at this time ). I have been getting XXXX 2ND DAY envelopes that have way earlier dates on the letter itself, and way after I actually receive them in the mail. This is the 2nd or 3rd time this has happened. I received one " final  notice '' letterXX/XX/XXXX within a XXXXXXXX 2ND DAY envelope. When I opened the letter, it was dated XX/XX/XXXX, and requested a reply to the letter by XX/XX/XXXX as a final notice and option for making payment arrangements. How am I supposed to call before XX/XX/XXXX, if I receive the notice weeks after that date? ( I was home, and my address is current on file ).
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I am a XXXX at a non profit company. I have been receiving calls from Wakefield & Associates ( Phone Number XXXX ) for 3 or more weeks now. When I answer the phone there is no one on the other end. I have called back the number and they say they are looking for a person by the name of XXXX XXXX. I told them we do not have an employee by that name and to stop calling. They said that they would take care of it, but the calls continued. I called them back and told them that by doing this that it was harrassment and that I wanted the calls stopped, again they said they would take care of it. Here we are a week later and the calls continue. I called them today and spoke with XXXX XXXX and I told him that I was going to submit a complaint to the CFPB and he said he would have it stopped. I hope so.
Consumer complaint received 2022-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EdFinancial Services (TX)

On XX/XX/XXXX of 2022 I was contacted by XXXX XXXX from # XXXX and he stated he worked for XXXX XXXX XXXX and was calling me to settle my XXXXt loans at {$0.00} for only XXXX total processing fee. He set me up on a payment plan of XXXX starting XX/XX/2022. He said he had access to my XXXX  loan account to start the process of handling my debt relief so I taught hey maybe he is legit. So he took XXXX from me until in XXXX I noticed something fishy and immediately reported my credit card as fraudulent activity. When I tried contacting XXXX at that phone number it will send me straight to voicemail and that's when I felt that I had completely gotten scammed. What I don't understand is how did he get access to my XXXX  loan information. His email was XXXX with an IP XXXX. The action I took was to report the problem to my XXXX loan servicer as a scam. Please put my story out there so nobody else has to go through this. Thanks for listening to me.
Consumer complaint received 2020-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kohn Law Firm S.C. (IL)

I have more then one law firm contacting me for the same credit card, i have ended by paying two law firms for the same card i have cleared check numbers from bank statements for XXXX XXXX XXXX XXXX ( payments of XXXX ) along with signed documentation for payments with cleared debits from my bank account with a letter that states the debt was paid in full to the XXXX XXXX XXXX XXXX XXXX  for the law firm of XXXX XXXX XXXX ( payments of {$130.00} twice a month ) All three law firms have the same information about this account. Account number XXXX & the creditor being XXXX XXXX ( XXXX ) The third law firm Kohn Law has taken me to court three times first court day of XX/XX/XXXX. Which was the date of my finally payment to XXXX XXXX for the agreed amount of {$440.00}, the paid in full letter has case number & account number. 
All three Law Firms were & still are belittling, aggressive & demanding to a point of not knowing what to do ... ..The only reasoning i have for paying two Firms at the same time for the same card and the reason i will not pay the third! 
My personal information XXXX XXXX XXXX XXXX XXXX # XXXX XXXX il XXXX XXXX law firms in the fight of charged off debt XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Kohn Law XXXX