davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Here recently XX/XX/2022 I pulled my credit report from Experian.com and noticed several inquiries for auto loans and credit cards over the course of the last few years that I have no knowledge of and did not authorize. I placed a freeze on my credit report on XXXX after receiving notifications via email that my experian report had been recently checked by a lender I reached out to Experian on XXXX to inquire about these inquiries and to get further assistance on getting them removed because they should not be on the report but the representatives I spoke with could not assist and refused to further investigate. I spent several hours on the phone with them speaking to supervisors, fraud and being transferred countless tomes to get to the bottom of this. I still have not gotten a resolution with Experian! The inquires on experian that were unauthorized are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX I have sent letters certified mail to Experian on XXXX as well as filing this complaint in hopes to get them removed and for further investigation to be done. The credit freeze will remain in place.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

I 've previously sent a request to your company to investigate several inquiries that I believe to be incorrect on my credit report. You are required by law to complete these investigations within 30 days of receipt. I have heard of companies pulling people credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation have recently found on my credit report the presence of several inquiries as entries separated from their corresponding accounts. These inquiries duplicate inaccurately the information in my report, and reflect an incomplete and inaccurate processing of information in my file. The inquiry entries should be deleted, or at least merged into the accounts to which they belong. I have sent letter to Equifax and each of the companies.
Consumer complaint received 2022-09-04
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. (NY)

I pulled my credit report to make sure everything is correct and I came across information not matching. 
Everything on my credit report needs to be 100 percent correct or I have the right for a deletion. They have made several violations against me XXXX XXXX XXXX XXXX Acct Type- Detail information does not match Trans Union and XXXX XXXX Opened-information does not match Trans Union and XXXX XXXX Limit-information does not match Trans Union and XXXX Last Reported-information does not match Trans Union and XXXX Comments-information does not match Trans Union and XXXX Date Last Active- information does not match Trans Union and XXXX Date of last payment - information does not match Trans Union and XXXX Also XXXX is still reporting my account every month when they no longer have my account These are all violations especially still reporting ok as you can see in my credit report page I supplied.
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BlockFi Inc (CO)

There was consistency wrong information recorded when creating my business BlockFi account. The most important is that they recorded a personal SSN, as the ownership, and not a company XXXX when setting up the corporate account. In the last 3 years, that XXXX has been recorded on IRS forms instead of the company XXXX. This has resulted in thousands of dollars due under a personal income tax bracket instead of the corporate one. I have informed the company of their mistake each of the last 3 years, and continue to be assured that " it's been taken care of ''. However as of today, the XXXX form for year 2021 still has the XXXX and remains that way with the IRS.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc. (KS)

I continue to receive offers under my previous name, XXXX XXXX, over XXXX months after opting out of marketing offers, and after filing a complaint XXXX months ago, in which the company stated it may take a year from my original opt-out date of XXXX 2014. It has been well over a year and I continue to receive these unsolicited, multiple, unwanted offers ( see most recent offer attached ). The offers contain the opt-out notice at the bottom. I do n't know of any other way to opt out than what I have already done, by phone, permanently by mail, etc., yet they continue to come in years later. This is unacceptable and puts my personal information in jeopardy of identity theft. I have requested multiple times to stop receiving these offers. What more do I have to do??
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (NJ)

I called XXXX off and on for several years since ( XXXX ), and would never get anywhere but rude response from XXXX XXXX. I continued and tried to dispute the inaccuracy debt they had on my account reporting since XX/XX/XXXX under two names there using. One name is XXXX XXXX XXXX, and the other XXXX. My question is why are they reporting under two different business, and reporting on my credit stating I owe XXXX dollars. They are reporting inaccurate information, and when I called on XX/XX/XXXX to tell her that there reporting inaccurate information, got smart and nasty with me and said I do owe, and who are the other people on the joint account and where are they. I explained to her I do not owe, and why are you asking me about other people on account that I have no clue on why it's on mine. She began to argue with me, over talk me, and then hanged up on me. I called back to speak with XXXX XXXX again, still arguing with me, telling me to pay the whole amount, and I told her no, and she hung up on me again. I called back on XX/XX/XXXX to speak with someone else because I couldn't take speaking with someone that rude, and they told me I couldn't because she's the one handling the account. So I didn't speak with her that day, and I called back on XX/XX/XXXX and tried to speak real nice and polite to let her know again that the account is showing up on my credit with inaccurate information. XXXX XXXX said I remember you calling before and this is your account and you must pay, yelling into the phone. I told her that she was rude, and she shouldn't speak to people in such tone for no reason. She then hung up on me again, I called back to speak to her manager on ... got his voice mail. His name is XXXX XXXX. He called back on XX/XX/XXXX left a message because I missed his call. The very next day I called him back on XX/XX/XXXX and haven't heard from him since. Its ridiculous how they handle people at that company. it seems as though XXXX XXXX is the only person working every account and you can't talk to anyone else to get anything resolved. She's very rude, mean, disrespectful and out of control for no reason.
Consumer complaint received 2020-06-01
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$110000.00} XXXX  XXXX {$110000.00} XXXX  XXXX {$25000.00}
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

Lease w  as opened fraudulently using my personal information. Reporting inaccurate information to credit reporting agencies. I have advised Toyota Motor Credit that a lease that is showing up on my credit report is fraudulent and does not belong to me. There is a long track record of me notifying them that this is not my account. I have advised the credit bureaus directly as well as the lease company. There have been multiple FCRA and FDCPA violations both in part of the creditor and the credit bureau. My letters to the creditor have been ignored and no attempt at resolution has been made by them.
Consumer complaint received 2022-09-04
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. (PA)

I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information. 

As of today XX/XX/2022, XXXX, I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you nor gave you consent to have any of my private information. 

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. 

Which is what your company Credit Collection Serv XXXX is doing by demanding I owe an alleged debt you were prohibited to take this account in the first place but you decided to buy this alleged debt anyways, Therefore I demand your company, its partners, and affiliates to remove the collection account from my consumer report for infringing my right of privacy within 10 business and I prohibit your company from transferring this account to another debt collector.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My old complaint number, against Carrington Mortgage Services is XXXX. 
This is a brand-new complaint against Carrington M. S., same Account Number XXXX. 
Item 1. Statement Dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, charging late penalty of {$17.00} plus two months mortgage of {$520.00} each month, total {$1000.00}. 
This amount was paid through XXXX XXXX XXXX on XXXX/XXXX/15. 

Item 2. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15. 
I DO NOT KNOW IF cfpb IS RESPONSIBLE FOR THIS MIRACLE. 
No payment was required for the month of XXXX 2015, and the penalty {$17.00} was used to pay down the principal. 
XXXX XXXX I got sick and was not at home. I asked my daughter to pay {$520.00} on XXXX of each month beginning XX/XX/XXXX. 
Item 3A. Letter dated XXXX/XXXX/2015, stating XXXX/XXXX/2015 payment of {$520.00} was not received and late charge of {$17.00} was assessed. ( This scan at end of list ). 
Item 3. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, for {$520.00} plus {$17.00} plus {$520.00}. Payment of {$520.00} was made on XXXX/XXXX/2015. 
Item 4. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, $ XXXX {$17.00} plus {$520.00} plus {$17.00}, grand total {$1000.00}. 
Item 5. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, asking for {$1000.00}. 
It is clear to see that by creating a subterfuge of a " NO PAYMENT MONTH '' a charge of {$17.00} could be imposed " EACH '' month.
Consumer complaint received 2015-12-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (ME)

On or around XX/XX/2015, I was notified by mail that XXXX XXXX XXXX was selling my mortgage to Carrington Mortgage Services ( CMS ). Since XX/XX/2015 I have been UNABLE TO MAKE ANY ADDITIONAL PRINCIPAL PAYMENTS TO THIS ACCOUNT. The prior history shows that I have always paid {$800.00} per month for a monthly loan payment of {$760.00}. It may not seem like much but {$36.00} extra each month adds up over the life of a mortgage. 
I have contacted Carrington numerous times with NO RESOLUTION. I pay on time, each month. I do n't think this is legal. When my loan originated, there was a no prepay clause. They assumed the loan, they should be required to HONOR the terms, just as I am expected to pay according to the terms.
Consumer complaint received 2023-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC (GA)

MARINER FINANCE XXXX {$2100.00} I submitted a police report showing that the account did not belong to me. They removed the account from my credit report and in return sold my information without my permission to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, removed it and submitted it to another collection agency that they own and the process starts all over again.
Consumer complaint received 2022-01-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2017-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (VA)

I have disputed this debt directly with Diversified Consultants on XXXX/XXXX/17 requesting verification of this debt because it is not mine. They made a remark on my credit report that the account is disputed and verified, but never sent verification. I have continued to receive harassing phone calls from this company.
Consumer complaint received 2020-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: KEYCORP (OH)

I was purchasing items from a merchant for clothes. The merchant stop responding and I did not receive my items. I continuously called and texted her everyday until she never texted or returned my calls.The merchant later blocked me so I could NOT contact her. I called my bank to dispute the charges letting them know I did not receive anything from the merchant and she stop responding My bank went on with the dispute and gathered information for me.Later in the investigation, they said they needed additional information which was provided. I provided them with the information and continued to tried to reach out to the merchant.I was told multiple times that this would work out in my favor and I provided enough documentation for the investigation. This investigation has been going on since XXXX. Tuesday,, they reversed the charges and told me they are not able to do anything and they can not escalate the claim. This is ridiculous because I have provided enough documentation previously for it to work in my favor and that I have enough proof. The money came off my debit card through XXXX XXXX now they are saying they are unable to help. I have been scammed out of money 3 times and the bank did NOT help after having documentation and being reassured that I will win my case. I also have documentation of everything.
Consumer complaint received 2021-09-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Received a call from bank of America ( my banking agency ). Was asked if I'd authorized a XXXX transfer of {$3500.00}. I said no. Didn't even have XXXX set up. Was told I'd have to set XXXX up so the money could be returned. Followed the caller 's directions and transferred the money back to myself. When I ended the call I double checked my bank account and saw the money was gone. 

Called bank of America back and was told their number had been spoofed and I was scammed. They started a claim and said it could be 10-45 days for a resolution. I was informed the money went to a XXXX XXXX and they would try to get my money back. I was told they had sent information of this type of scam via email awhile back. I was also told they wouldn't be able to do anything for me if XXXX XXXX  won't release the funds back to them, so essentially I could be out {$3500.00} dollars. 

I always file all bank emails in a folder, but when I double checked it for the year I didn't come across anything about this scam. I also didn't see any thing in any correspondence they've mailed to me this past year. 

They've been working on this claim with no real updates or any promising information to give me. I'm out {$3500.00} that I desperately need. It was all we had. I know I made a mistake. But we have received legitimate calls from bank of America 's fraud department in the past, so how would I have known this one was a scam?
Consumer complaint received 2015-10-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I have been trying to get a loan modification on an FHA loan for over 2years. I was unemployed and now working XXXX jobs and my father has committed to assisting me with paying my monthly bills. Bank of America has refused to assist in making my monthly payments affordable, continuously request the same documents, change contact representatives, refuse to provide documents related to the loan, account and other information, and failed to review the most recent application and requested that I resubmit. I believe I am a victim and the bank is guilty of improper handling of my account and it is more of a financial incentive for them to foreclose at this time versus modifying the account and allowing me to remain in the home and make an affordable payment. I have done everything I know to do asked what income will allow me to stay in the home to get additional income and they have refused. I was told by a representative to " make sure I have a plan B ''. 
I would appreciate any help as it relates to this matter.
Consumer complaint received 2023-03-22
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. (TX)

I never had any account with XXXX. The company that I worked for was the one that had an account XXXX with them. I tried fixing this issue with them but they wouldnt listen. XXXX XXXX XXXX XXXX was the one that had an account with XXXX and not me. I need them to be removed from my account and also any negative activity from them.
Consumer complaint received 2020-11-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA ()

I tried to pay off my loan in one final payment. I checked their website calculated the amount for that date. I made a cheque out for that amount and sent it via courier service XXXX it arrived exactly a day before the date. The cheque seems to have never been cashed and they can't seem to find it now. As it was sent with XXXX I have the name time and date of who signed for the cheque. I have contacted them and they said they are looking into it but this has happened before. As I am international they do not take payments from international accounts or international transfers which is very annoying.
Consumer complaint received 2020-04-17
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. (GA)

XXXX XXXX XXXX XX/XX/XXXX Re : Identity Theft Notification To Whom It May Concern, This certified letter is to notify you that I believe I have been a victim of identity theft. Please VERIFY the following accounts, THOSE following items do not belong to me and is a result of fraud XXXX  XXXX Credit limit {$300.00} Opened XX/XX/XXXX XXXX XXXX  Last reported XX/XX/XXXX {$2200.00} Opened XX/XX/XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$16000.00} Highest balance {$21000.00} Monthly payment {$650.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Amount past due {$0.00} XXXX XXXX XXXX  Account Number XXXX Account Type Individual Date Opened XX/XX/XXXX Status Closed.
Consumer complaint received 2020-11-02
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. (FL)

Transunion has a XXXX XXXX account on my credit report ( negative account ) Transunion is the only credit bureau reporting this negative charge off account on my report. According to the fair issac everything on all three reports must be reported accurately. This is a violation of my credit rights. I need this inaccurate account deleted off my transunion report because it is hurting my score. This charge off account also has a balance, a charge off account is not supposed to have a balance that is another violation and grounds for deletion.