davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-06
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. (NJ)

I have attempted several times to get this issue resolved. 


I am a victim of identity theft. Accounts opened fradualently XXXX XXXX XXXX ACCOUNT NUMBER XXXX, CURRENT BALANCE IS XXXX. 

XXXX XXXX ACCOUNT NUMBER XXXX, dated opened XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT XXXX DATE OPENED XX/XX/XXXX CURRENT BALANCE XXXX ALSO THERE ARE CREDIT INQURIES THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL ACCOUNTS I LISTED
Consumer complaint received 2020-07-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I had started a va refinance loan with Rocket Mortgage { IRRRL }. They told me that va required a deposit and appraisal. A couple days later I see thru a flyer that va does not require a deposit or appraisal. I contacted the rep XXXX XXXX and confronted him about this and he finally it was Rocket Mortgage policies. I told him to terminate the application and NOT to send an appraiser and to refund my money of {$500.00}. I have not send my refund. 

I feel that Rocket Mortgage should be censored someway and other Vets should be warned of Rocket Mortgage 's lying practice.
Consumer complaint received 2022-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

This is XXXX XXXX who is submitting this CFPB complaint myself. I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Equifax Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 

( ( XXXX XXXX : ) XXXX )
Consumer complaint received 2019-08-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Midwest Recovery Systems (NJ)

Approximately 6 years ago I took out a loan of {$200.00} form XXXX XXXX XXXX. At the time I did not realize that this type of loan was predatory and illegal in the State of New Jersey. I paid back the initial amount owed and thought that was the end of it. XXXX XXXX XXXX discontinued the deductions from my account.

Now 6 years later after not receiving any type of written documentation stating that I owe this company money, they have put a judgment on my credit for an amount that I do not owe, and it has negatively effected my credit score.

This tactic by XXXX XXXX XXXX is illegal, and I deserve to have this negative information removed from my credit report.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX, 2019 I paid {$1.00} for a free 7 day trial to receive -- All in 3 Credit Bureau Reporting from Experian, and after 7 days they would charge me approx. $ 28 monthly for the service. However, once I subscribed Experian said that they didn't have a FICO score for me nor did either of the other 2 credit bureaus. Yet, XXXX XXXX and XXXX XXXX XXXX product shows FICO scores. Experian is false advertising in order to get you to sign up for their trial and then keep you waiting to access your scores. 

Upon trying to cancel the subscription I couldn't find support or FAQs anywhere to do so. This is blatant deception on their part.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

!!! Hello, My name is ***XXXX XXXX XXXX I have been trying to reach out several times to get my problem fixed and receipted no responses so far. There are some of wrong adresses and employment information that exist in my credit account for years. In addition to that there are also some derogatory information appear in my credit report that not belong to me or our business. Here are the addresses and employment information that need to be removed : ****************************************** _EMPLOYMENT INFO! PRIORITY EXPEDITE! XXXX  XXXX  +++++++++++++++++++++++++ _ADDRESSES REPORTED! XXXX XXXX XXXX XXXX, AR XXXX! XXXX XXXX XXXX XXXX XXXX, AR XXXX
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

The mortgage servicer - XXXX XXXX XXXX - incorrectly used the wrong property address, whereas the Mailing Address Certification form the loan origination had the correct address listed on it. So they were sending mail to the wrong address and I never received any mail from them. No statements, nothing. When I pulled my credit report, I noticed a 90-day late on it. Then I called the company and found out they were my loan servicer. I immediately paid the amount due, and became current within 2 days of finding out who was my loan servicer. Now I have a negative mark on my credit. I spoke to a very nice, informative gentleman from the CFPB. He was very helpful and thorough. I am really glad you all are here looking out for homeowners. Thank you.
Consumer complaint received 2022-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Medical Management, Inc. (NJ)

This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the XXXX XXXX  accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX, XXXX XXXXY XXXX )
Consumer complaint received 2021-11-06
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. (VA)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IL)

There was a data breach at Equifax and my personal financial data was accessed. Please investigate this egregious act of ommission on the part of Equifax. I understand I wasn't the only one impacted Thank you..
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # 2003 XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND EQUIFAX DID NOT RESPOND.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

well, some people I didn't know stole my money and now my situation is the bank with which I am associated doesn't want to return the money that was stolen, because the transation was made for me but i already told to the police and even with that imformation they denied my claim case and i do not receive any money.
Consumer complaint received 2021-11-06
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. (DC)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2020-06-03
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. (TX)

I have disputed information on my credit report being reported by XXXX XXXX XXXX for multiple accounts beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. This is NOT what is supposed to be done per the FCRA. 

Experian, XXXX  and XXXX has continued to report this invalidated information which is a direct violation of the FCRA. 

XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX has continued to report this invalidated information as well. XXXX has failed to provide the proper documentation. I have disputed these accounts with the bureaus directly AND with the creditors and keep receiving letters without validation, and asking me to provide documents to correct their files.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in 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
Consumer complaint received 2019-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (LA)

date opened : XX/XX/2019 amount : {$1300.00} violations : 1 ) fair Debt collection Practices Act : Section 802 ( a ) 15 U.S.C. 1692. Using Abusive debt collection practices. called to collect a debt by refusing to tell me what the call was about until i told them my social security number.

2 ) 15 U.S.C. 1692g Section 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). this company never provided me with any validation of debt.

3 ) 15 U.S.C. 1692g section 809 ( c ) this company had attributed my name and my social with fraudulent debts 4 ) section 812 ( a ) ( b ) debt bought and moved from creditor to creditors without my knowledge and my written signature.

5 ) fair credit reporting act Section 609 ( a ) ( 1 ) and section 611 ( a ) ( 1 ) ( A ) the law requires a physical verification of the original signed consumer-contract on all acounts posted on my credit report.
Consumer complaint received 2021-01-27
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. (AL)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (AZ)

Credit Card Debt FRAUD from Best Buy purchased by XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX ( Judgement or Decree ) I am trying to refinance current home. 
Title agency pulled my social security number and said it NEEDS to be resolved in order to complete the refinance. 

They are Trying to collect a debt from myself that does NOT belong to me. 
FRAUD alert. 

Case # XXXX Amount of {$3200.00} They are requesting payment in full.

Address is INCORRECT. Never lived at referenced address.

Date of Birth INCORRECT. 

XXXX XXXX XXXX XXXX dated XX/XX/2019
Consumer complaint received 2021-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Im from XXXX and i created an account in Coinbase to buy cryptos, i had to verified my identity, they asked me a national ID, after that, they sent an email that says you are verified. When you are verified, you can buy and sell cryptos, so i buy some cryptos but now i cant sells it and i cant receive my money. I tried to contact with costumer services but they cant solve the problem. They are dont telling me why i cant sell. The costumer services are so awful, I red some reviews on internet and there are a lot of people with the same problem. It looks like a scam.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed information on my credit report being reported by XXXX XXXX XXXX for multiple accounts beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. This is NOT what is supposed to be done per the FCRA. 

XXXX, Transunion and XXXX has continued to report this invalidated information which is a direct violation of the FCRA. 

XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX has continued to report this invalidated information as well. XXXX has failed to provide the proper documentation. I have disputed these accounts with the bureaus directly AND with the creditors and keep receiving letters without validation, and asking me to provide documents to correct their files.
Consumer complaint received 2021-11-06
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)

I have reached out to TransUnion, XXXX, and XXXX four times now regarding false accounts, account numbers, public records, and false information reporting to my credit report. Over the course of a year they have slowly removed some. But they haven't fixed everything. I've called them, mailed them affidavits. I get generic responses. I have provided them several pages worth of supporting proof.They are supposed to remove the information within 4 days. It's been almost a year! I am fed up with their lack of protection of my consumer rights.
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I made a purchase of {$110.00} in XX/XX/XXXX. I inadvertently missed the payment and spoke with a representative that advised me to send in the balance due plus interest ( XXXX + XXXX interest accrued on XX/XX/XXXX + XXXX interest accrued on XX/XX/XXXX ) and the late fees could be waived. I sent in a payment of {$120.00}, which was applied on XX/XX/XXXX. The outstanding late fee of {$62.00} was not waived and has been COMPOUNDING and accruing interest ever since. The practice of charging late fees on late fees until the balance is out of hand seems abusive. I have since submitted a dispute ( XX/XX/XXXX ), however, XXXX XXXX appears dismiss disputes filed on late fees. They keep harassing me with collection calls 7 days a week. 

I am requesting that 1 ) the [ compounded ] Late Fees that have been assessed, became principal, accrued interest and charged late fees [ repeat ] for a total of {$350.00} as of XX/XX/XXXX be reversed/waived ; 2 ) my account be closed ; and 3 ) my credit be updated to reflect paid in full on XX/XX/XXXX with no late payments since. 

This practice is not fair and can put a consumer in financial hardship quickly. 
Thank you!
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

The statue of limitataions on this account is up. This this type of reporting and furnishing of a inaccurate account on a credit report is violating federal laws under the Fair Credit Reporting Act and Fair Debt Collections Practice Act. 

- Date Opened : XX/XX/XXXX Making it over the ( 7 ) year limit to furnish or collect on a debt. 

- Date of Last Activity : Furinshing ( 3 ) differernt Dates, Months, & Years - Late Payment : Year XXXX XXXX [ OK ] XXXX [ 120 LATE ] XXXX [ OK ] - THIS ACCOUNT IS A CHARGE -OFF : A CHARGE -OFF CAN NOT HAVE A HIGH BALANCE OR BALANCE - A CHARGE OFF CAN NOT REPORT LATE PAYMENTS FURTHER AFTER CLOSED DATE OR AFTER IF THE ACCOUNT REACHED THE STATUE OF LIMIITATION. 

If the account was charged- off, I never recieved a 1099 tax form. 

Violations used against me : 15 U.S CODE 1692 ( g ) Validation of Debt 15 U.S CODE 1681 ( a ) ( 2 ) Permissible Purpose 15 U.S CODE 1681 ( b ) Inaccurate False Reporting 15 U.S CODE 1681 ( e ) ( b ) Collection Must Be 100 % Across All ( 3 ) credit reporting agencies
Consumer complaint received 2021-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

Nothing happened when I submitted the dispute, I also requested value assigned to transactions, no response, only someone will get back in 4 hours out of the numerous complaints/disputes submitted. 
All my debits are missing from account causing a low balance, credits are co-mingled with debits, no full accounting has been performed, I asked who was there cpa over the accounting, no response from chime bank, credits are misappropriated, household goods and personal use are not being correctly recorded. I gave them several notices
Consumer complaint received 2021-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (GA)

Paramount Recovery Systems claims I owe XXXX XXXX {$120.00} for a medical visit to the emergency room that never happened. 
During the date it claims that I went to the emergency room in fact I was not there. 
The most important aspect is that neither XXXX nor Paramount Recovery systems contacted me about the specific debt claim either through phone, email, or mail. 
Instead Paramount Recovery systems targeted me by reporting to the credit rating agencies this non-existent debt. 
This has affected my credit score. 
This is the second time that Paramount Recovery Systems has claimed this non-existent debt. 
Both times with no notification. 
This seems to be a scam mounted by Paramount Recovery Systems. 
Unfortunately it seems I am not the only victim of this scam. 
I would please request your help In deactivating this scam and that Paramount Recovery Systems be made accountable for their fraudulent actions.