davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-04-28
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-28
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-09-10
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-07-14
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: Experian Information Solutions Inc. (NY)

The Experian credit bureau is currently reporting inaccurate information on my credit report. They have listed a hard inquiry onto my report that I have no knowledge of. It is a hard inquiry from XX/XX/2020 by XXXX. I've already submitted a dispute about this situation and did not receive any response or acknowledgement of it. Since I've submitted a dispute over 30 days ago, I would like for this Hard Inquiry to be removed immediately.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UMB FINANCIAL CORPORATION (NV)

UMB Bank approved me for a credit card last a month ago and 1 month later they had hard pulled my credit with out Permission a second time 1 month later with out permission out of nowhere and I spoke with them on the phone and they told me they had also checked something called Visa clearing house on my XXXX  which I also Never gave them Permission to do. ( they checked that to see any other recent credit applications that i had ) I have made my Payment on time and I have a perfect Payment History so they had no right to do this. They had also over verified me when i first got the card they wanted all kinds of additional information. They lowered my credit limit for no reason which is going to hurt my credit score, I am having adverse action taken for something i did not even do anything wrong. The woman openly admited on the phone that they had hard pulled my credit and that they lowered because my score had dropped. My score dropped because their credit card was reporting as a New account and because of their hard inquires so Yes because they reported a new card it's going to temporarily drop my score so and then they lower my credit limit for having their New credit card as Being reported as a New account which doesnt seem FAIR TO ME. I dont want a XXXX credit card because I make XXXX in one paycheck from my job and I have a Business. I am no longer interested in having the card anymore. MY CREDIT score is going to hurt because they lowered my credit limit and hard pulled me a second time with out permission. DAMAGE has been done to my credit report and score because of them. This does not help me at all because I have credit cards with XXXX on them, so I don't truly care to keep an account open with a XXXX limit anyways. It is useless to me. I want them to fix this issue of the damage of my credit limit being lowered which will lower my score. They can not just hard pull my credit once a month or just look at my information anytime they want to.
Consumer complaint received 2020-04-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Rec 'd a call from XXXX asking if i would be home because they need to service me with a subpoena for court appearance. Asked what for? He said he did not know but if i called this number XXXX then he wouldn't have to come out to serve me. So, I called and spoke with XXXX XXXX who said I owe {$610.00} to HSBC + legal and service fees which makes the total {$1600.00}, but I could settle it today for {$610.00}. If I did not pay today, he would mark it as a refusal and my pay and or bank account would be garnished. I send them an email reply ( as suggested by on of you reps at CFPB ) and asked them to not contact me by phone only in writing via postal service. I asked them to provide me with proof for the company they say they are representing. I do not have this company on my credit report. I do not recall ever having a credit card from HSBC. 
Please advise. I have pretty good credit, I have always paid all my bills. There is no record on my credit report for this HSBC card. I want to know if this is a reputable company or is this another scam. The company is XXXX XXXX XXXX, but reply is required to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-07-14
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: ENCORE CAPITAL GROUP INC. (NY)

the following accounts appear on my credit report, they do not belong to me and are hurting me Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft MIDLAND CREDIT MANAGEMENT Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine.
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (AZ)

In XXXX XXXX XXXX issued me a credit card after having a secured credit card with them. I got injured in XX/XX/XXXX and was out of work to make the payments to them. I notified them of the issue and said I could make $ XXXX payments. They wanted more money on the payment. They constantly called and emailed me harassing me to pay them. Then a couple months it was quiete until my roommate was ambushed by a process server and she signed for it in XXXX. The lawyer office of XXXX XXXX XXXX XXXX kept sending letters with my name on their along with my roommate. I tried contacting the credit card company again to try work out a plan. No response. Now the attorney office is garnishing my roommates wages with no notification.
Consumer complaint received 2020-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JNR Adjustment Company, Inc (CA)

In the year ~XXXX, I reported what I believe is an electric box ( which was already brittle and broken ) that is located in my property. I had three people trip on that box because of the carelessness of XXXX XXXX XXXX not taking the time to up keeping that box. So I took the initiative of reporting it to them so that they have it fixed. They hired a third party contractor to have it fixed. They sent me a bill to pay for it. Then XXXX started making phone calls in XXXX persistent that I am supposed to pay. I explained to them that I never asked to put that box on my property, thus shouldn't be required to pay for any of that. I pointed out that the lid of that box even says " XXXX ''. It doesn't say my name. Hence, reason enough for them to have to pay for it, not I. We had a very heated discussion over the phone. 
In about XXXX, XXXX, I reluctantly made a claim with my home insurance and was settled in about 3 weeks. In the latter of the year of XXXX to present, apparently XXXX had hired a debt collector : JNR. In spite of my claim being settled and me advising them that it has been so, they keep sending me correspondence.
Consumer complaint received 2017-05-27
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. (GA)

On  XXXX   XXXX ,  2015 . Transunion reported a debt collector on my credit file named   XXXX   XXXX   in the amount of {$850.00}. There have been attempts multiple times for this reporting company to verify this debt, but they have failed to produce the verification of this debt. This is a violation of my consumer rights. Please help me resolve this issue. This is not fair practices to me as a consumer. Thank you.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

On XX/XX/2020, I tried to get pre-approved loan for a property and that is when I found out there had been fraudulent activities. I was in disbelief when I found out I knew the perpetrator. It is my own mother that had used my information against me. We are not in contact and our relationship had been damaged. She is recently harassing, defaming and stalking me. XX/XX/2020 she used my information to track down my doctor and former adviser from school to get more information about me. We reside in two different state. She found my former address where my close friends still lives and surveyed the area and called the cops on that address to do welfare check. She wanted to confirm I still reside there. She has my number but did not call or text me that she is in town. These incidence has caused me to have severe anxiety, nervous and I am always in fear of what she is doing and what she wants. I am afraid for my life and I need HELP.
Consumer complaint received 2021-02-27
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. (FL)

I was checking my recent credit report, and I have noticed that there are multiple inquiries from different banks, that I had no idea about. I did not authorize any of these banks to run my credit and put inquiries on my credit report.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On XX/XX/XXXX I filed a complaint against Bank Of America with your agency regarding Bank Of America illegally allowing The FBI in XXXX New Mexico to search my safety deposit box on the weekend of XX/XX/XXXX The FBI in XXXX had Bank Of America close the branch on XXXX and XXXX that whole weekend while they illegally searched my safety deposit box without a warrant. A a Bank of America Manager confirmed it was true in a video I have recorded on a flash drive. Bank of America wrote me and said they have no record of a search warrant or any other court order that was served on he bank. They wouldnt have that because the FBI NEVER GAVE THEM ONE IT WAS DONE ILLEGALLY. This answer from Bank. Of America is unacceptable and I am asking them to investigate what happened the weekend of XX/XX/XXXX and why the bank was closed for the whole weekend.
Consumer complaint received 2020-04-28
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$390.00} XXXX  XXXX XXXX XXXX {$100.00}
Consumer complaint received 2020-04-28
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$390.00} XXXX  XXXX XXXX XXXX {$100.00}
Consumer complaint received 2021-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (MA)

I had filed a prior complaint with CFPB and I had a rebuttal and appeal to TD Bank write up. TD bank had no solution - See Complaint XXXX. I will like the resolutions in order to move on and also have TD Bank fix the 2 issues. 1 ) I want to pay the XX/XX/XXXX and XX/XX/XXXX mortgage payment expeditiously and right away from my online bank account. which belonged to XX/XX/XXXX and XX/XX/XXXX. That should take care of the 2 deferred payments owed. I have offered to pay TD bank several times and so far TD bank has not accepted the offer. 
2 ) I want TD bank to remove the term 15 mortgage off of all the credit bureau reports expeditiously and replace with my actual mortgage term 30 years and the comments Loan modified under a deferral program. I have filed disputes with XXXX, XXXX and XXXX since the terms on the credit bureau report for TD bank is incorrect. Each credit bureau, banks and companies have label those comments to be negative except TD Bank. Comments field should be left blank since I pay my bills on time and I was erroneously added under Natural Disaster since TD Bank did not have a plan for furlough employees 3 ) On the loan modification on file with TD bank, I want TD bank to put on file that this was due to the XX/XX/XXXX to XX/XX/XXXX United States Federal Government Shutdown. And that I was a federal government furlough employee. And also that TD Bank had participated in offering federal government employees temporary payment extension. TD bank said these thing on XXXX social media and news media. 
The money had previously belonged to the XXXX and XX/XX/XXXX payment extension during the XX/XX/XXXX and XX/XX/XXXX united states government federal shutdown where 800,000 federal were furlough. 
So far TD bank has no plan, or no solutions. I am not going to let TD bank ruin my credit, my professional life or my personal life. TD bank has not consider anything and their main comment is '' Sorry, we can't do anything ''. I never missed a payment in 18 years. I will like TD bank to come to the table on these solutions. I will like a manager, director to handle this matter and not just a rep that has no authority. I have been unable to speak to a manager or director at TD bank for 2 years straight. Please ensure that TD bank gets the request to their management so that we can start fixing these issues. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

Disputed credit card charge of {$2200.00} dated XX/XX/20 ; provided 34 pages of documentation to support dispute ; The host refused to close and lock the doors to her home during the pandemic despite my repeated requests, even when I informed her I I suffered form XXXX  and XXXX XXXX. Chase response was " decision was not decided in my favor. '' ' they were required to provide documentation rebutting my dispute ; didn't supply direction on how of the lengthy of time I had to appeal decision. I filed a complaint with the CFPB. They responded by requesting my information for review and the additional information I wished to submit. I further added, that XXXX   never presented my documentation to the host to respond to nor did XXXX respond to the facts that I was NOT able to leave the host 's home while I felt it was unsafe because they failed to respond to my website messages and urgent safety messages ( which I provided them copies of ) for 6 consecutive days. Their policy is " if there is a safety issue with a guest, XXXX  will relocate the guest to another location of equal or greater value. '' Since there was no response from XXXX was forced to remain in unsafe home, with a host who refused to close the doors to her home and lock them, during the pandemic, despite my repeated requests ( all presented to XXXX  and Chase in writing, Chase 's most recent response to my appeal repeats their first response AND then states " it may or may not be to late to review your case again even if what you state is accurate. ' This nebulous response is exactly condescending language which has been directed towards me and the failure to follow the Fair Credit Billing Act rules and procedures.
Consumer complaint received 2021-02-27
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)

I was checking my recent credit report, and I have noticed that there are multiple inquiries from different banks, that I had no idea about. I did not authorize any of these banks to run my credit and put inquiries on my credit report.
Consumer complaint received 2024-03-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingUSA (CO)

I got signed up with this company through a tax consolidation company they provided no services for me and actually cost me more money and now they called the tax company they called me told me they were out of business and that I would be refunded. Now they refuse to give me my money back I received no services they cancelled the loan on me and now it's in my credit and no refund please help
Consumer complaint received 2020-07-15
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. (MI)

I have disputed XXXX collection accounts on my credit report with Experian. The dispute was submitted on XX/XX/2020. On XX/XX/2020 I received notification that my dispute was complete. The dispute results were updated however there were no updates made to either account. The amounts reported on my credit report for both collection accounts is wrong for both accounts. One account is reporting an amount of {$850.00} as the current and original balance, this amount was never the balance of this account and this account has since been paid to the original creditor. The other account is reporting a balance of {$870.00}, again this has never been the correct amount due to this account. I had requested that if these accounts could not be verified that they be deleted from my report as required by the fair credit reporting act. Since they completed the dispute and did not correct the information I called and spoke with a dispute specialist who reported that I can provide documentation to support my claim and the information would be updated not deleted and it is up to the collection agency if they are going to delete the items off my report. This goes against the fair credit reporting act as they are reporting inaccurate information and reported that they verified the information which they could not have seeing as it is inaccurate.