davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NM)

I am getting daily phone calls on my cell phone, from " Midland Credit '', a company with which I have never done any business. They have said that they have the wrong last name and I have never had any other last name, so why are they calling me??? 

I owe a little bit on my mortgage, no payment has ever been late. I paid off my car early, I do not owe anything to anybody - outside of my mortgage which I could pay off in an instant. 

I do not own Midland Credit - or anybody else - a XXXX. I want these calls to stop. 

Get these guys off my back!!!
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (FL)

I have over {$1300.00} from discover opened in my name. I also one from XX/XX/XXXX opened 3 months from the other one being closed for likeXX/XX/XXXX and 2 more fromXX/XX/XXXX. and now I have a " serious deliquency '' on my report that should not be on there and I have been fighting this for almost 3 years.
Consumer complaint received 2021-04-08
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. (AZ)

XXXX XXXX Account # XXXX for {>= $1,000,000} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2023-03-29
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00}
Consumer complaint received 2020-07-22
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. (GA)

PLEASE REMOVE THE FOLLOWING INACCURATE INFORMATION FROM MY CREDIT FILE : INCORRECT PERSONAL INFORMATION : Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & XXXX ) Address : XXXX XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) The following items are reporting incorrect status. Please correct the following items : XXXX SELF LENDER - Date Opened : XXXX ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$340.00} XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$0.00}
Consumer complaint received 2020-07-22
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)

PLEASE REMOVE THE FOLLOWING INACCURATE INFORMATION FROM MY CREDIT FILE : INCORRECT PERSONAL INFORMATION : Address : XXXX XXXX XXXX XXXX XXXX ( XXXX & Equifax ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX ( Equifax ) The following items are reporting incorrect status. Please correct the following items : XXXX XXXX   XXXX  - Date Opened : XXXX ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$340.00} LEAD BANK - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$0.00}
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX '
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (FL)

On XX/XX/XXXX I applied to borrow XXXX from Lending Club. I had previously had a loan from them that was paid in full ( early ) and always on time. 

My credit scores are XXXX, XXXX, and XXXX. Their Adverse Action letter stated my score was XXXX. They never ran a check as far as I could tell from my credit bureau report. 

My total credit card debit is less than 5K. 
I owe less than 11k for my car I own my home free and clear and it is valued at nearly 100K My bills are paid on time. The only negative thing was a foreclosure in XXXX due to a divorce. That negative will come off my report in XXXX, Otherwise my credit is excellent! 

In the application they asked my DOB - I am XXXX yrs old, and divorced. I believe I was denied this loan because of my age. I can see no other reason since nothing other than my address changed since the last loan.
Consumer complaint received 2022-04-26
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. (OH)

I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AP)

In accordance with 16 CFR Part 641 of the FCRA, I request that the address discrepancy of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX be deleted off both my XXXX and Equifax credit reports.
Consumer complaint received 2020-08-31
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. (TX)

FCRA credit unauthorized credit inquiries without my consent. I have a fraud alert on my credit report. I have not had any companies confirming if the inquires were legit. No companies have called me. 

- XX/XX/2020 XXXX  XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX XXXX - XX/XX/2020 XXXX  XXXX XXXX - XX/XX/2020 XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was living in XXXX and making ONLY XXXX YEN. I didnt earn or receive American dollars do I was not able to make my payment and They are showing as late payments. It was a financial hardship
Consumer complaint received 2020-07-22
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 — Problem with personal statement of dispute
Company: Midwest Recovery Systems (LA)

I am still waiting on XXXX  to fix another problem with a 25 year old issue thats showing up on my report thats not mine and today theres something on my report that has no information of where it came from, when it was opened, who opened it, and I have NEVER taken out a payday loan in my life!
Consumer complaint received 2021-04-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

The company PHH Mortgage formally known as ocwen is NOT reporting our payments to the credit bureau. when I applied to refinance my home, it was denied by them because I filed for bankruptcy in XXXX. I can't refinance because their system says that I am behind in my payment since XXXX.
Consumer complaint received 2020-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (WV)

My bank told me that i can disclose my account and routing number to the app and that they will be able to use it that way and it is doing this with every app i try pnc says they are allowing these apps to work but whenu try to use them it wont allow it to work
Consumer complaint received 2020-07-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

Dear CFPB, I have been disputing several accounts with this company and I submitted proof that they are reporting false, inaccurate information. I showed them what the three credit bureaus are displaying and showing them that the accounts are not 100 % accurate. I have sent them several letters and month after month they reply that they " verified it as accurate '' or that the accounts belong to me without supplying the proper documentation. I told them that e-Oscar and automated responses are not acceptable forms of verification and keep asking them for viable proof, such as a contract bearing my signature ; and still, with all the proof I have submitted disagreeing with them, they refuse to delete these erroneous accounts or to provide why they believe they are reporting accurate information.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp (LA)

I entered a consumer credit transaction with LENDING CLUB and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that LENDING CLUB claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. LENDING CLUB has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Consumer complaint received 2022-01-08
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. (VA)

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/2020, while trying to shop, after my credit card was declined I found out that Chase has closed my account without any notice. Upon being informed that my account was closed, I had requested to be informed of the causes that lead to the decision to close the account. All my payments have been in full and on time. I was informed that it is the bank 's policy not to do business with me and people like me and that the reasons will be described in a letter to which I have not received. 

I had not received any notification of the closure of the account, not through the mobile app which I frequently use, not through my e-mail address, not over the phone. This behavior is risky as I had come to rely on the service provided by the bank. 

While the decision on to do business with me comes as a surprise, I had at least expected to be compensated for the fees that I incurred for the annual ( not semi-annual ) memberships of {$450.00} that was terminated on behalf of the bank, and to be allowed to ( or at least to be allowed time to ) redeem the rewards that are part of the product which I had purchased. 

I spoke to the highest possible representative, and they denied my request to speak to management after 3 attempts. All my requests were denied without any compensation, despite the involuntary closure of my account due to their own inexplicable policies. This complaint is my last resort to find a resolution this problem.
Consumer complaint received 2020-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Florida XXXX Tel : ( XXXX ) XXXX Email : XXXX SS : XXXX Dated : XX/XX/2020 To Whom it May Concern : On XX/XX/2020, I received notification from XXXX, XXXX and TXXXX regarding a collection matter. I immediately open my credit file and saw that Afni place {$360.00} collection on my credit report reducing my score by 26 points. I have struggled very hard to pay my bills on time and as a result of Afni my credit score falls to shambles. I immediately called Afni and notify Afni what had happen and that Dept was a fraudulent Dept with XXXX. Afni bought a fraud Dept from XXXX not knowing the history and used that fraudulent Dept to cause severe damage to my credit report which will not allow me to get credit, or get credit at a higher interest rate and have banks reduce my credit limit. Afni is responsible for the damages done to my credit report and Afni needs to get this matter resolved immediately. Under the fair credit Act Afni violated the FDCA. I believe under this violation I am entitled to collect {$1000.00} in statutory damages. I was in the process of buying a home and because of the damages by Afni, I will not be able to buy a home for my family. Afni contact information is XXXX address XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Very truly, XXXX XXXX
Consumer complaint received 2022-01-08
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. (VA)

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.
Consumer complaint received 2020-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

I have reached out to National Credit Systems Inc., company several times, informing them that a debt in the amount of {$4400.00}, they were claiming that i owed was not my debt & to providing me with proof that it was my debt. Document ( s ) showing my signature & any other relevant proof. They said it was for housing/apt that i rented, in another county, in XXXX. Which i have been residing in my residence since XXXX. The company just kept sending me a letter that was stating that i owed it & they sent me paperwork with my name typed on it. I called several times & spoke with the same rep that was very rude & said that she will not remove the debt & that i then need to go file a identity theft with the police dept. Now they have not responded to any letters that i send them & they have reported this to the credit bureaus which has caused a financial hardship for me.
Consumer complaint received 2022-11-17
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. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX 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 2020-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

SPS Serviving Acct # XXXX My original mortgage amount in 2004 was {$370000.00} and as of todays date, my mortgage balance is {$370000.00}. This is despite the fact that I paid over {$15000.00} XXXX towards principal alone last year and that I practically pay an additional towards my principle every month. I do not understand why my mortgage principle has not budged in si many years.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

I have contacted the bureaus ' one by one without avail. I have called, asserted, and expressed my displeasure to the companies at large, on X/XX/2013. I was requested to send in a XXXX of my photo identifying me along with a recent bill in the name and social security number. I completely satisfied their demands. Only to wait thirty days to receive a reply from XXXX stating that they needed more Intel to complete and/or look into my request. 

What the heck! 
I felt XXXX, discouraged, and disparaged at the least. 
All the credit bureaus ' have illegally hoarded my personal information unwittingly to my knowledge and without my consent in any form especially in written form as required. In pursuance to the XXXX privacy act all of the credit bureaus ' i have listed not limited to FICO, XXXX XXXX, XXXX, EXPERIAN, & XXXX have blatantly and intentionally violated all privacy rights and allowed my personal information to be leaked and disseminated due to their false and misleading ways. 

Relative to the Fair Debt Collection practices act all of the credit bureaus ' aforementioned in this complaint have maliciously and collectively worked in concert by unlawfully distributing consumer personal data for profitable gain at the expenses of pain and suffering of those so inflicted by the course of their willing and intentional violation. It is my request to have the CFPB to advocate on my behalf, to have all of my personal and sensitive data completely removed from every database my information is held by the aforementioned above. It is a great disgrace, that the aforementioned and above-mentioned engaged in pursuance of filthy lucre at the expenses of many consumers by such fraudulent means. 

I have suffered humiliation, XXXX XXXX and credit disaster because of it. It has greatly decreased my capacity to attain credit for housing, transportation, and it has incapacitated me from career opportunities. i have been XXXX and hospitalized because of it in the past. I request punitive damages for my mental, financial pain, and suffering -- also for the prevention of the huge number of failed opportunities these criminal violator 's have caused me. I do not consent to a class action suit. This is personal for me and I 'd like it to be addressed as such. I also would like to express my eternal gratitude for the CFPB protection of my family and household.
Consumer complaint received 2023-03-29
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: Resurgent Capital Services L.P. (NY)

there are several accounts that should have been removed and I've tried several times they just keep showing up they are not mine and no-one does a thing about it and the dates change all the time and I can't get a credit report they keep refusing me
Consumer complaint received 2021-04-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (VA)

I open a loan with One Main Financial in XXXX for 60  months term, I have paid every single payment, with the exception of putting 3 or 4 payments on the back end of the loan I also paid the interest to do so. The loan was suppose to be paid off in XXXX the finance company continued to tell me that it wouldn't be paid off until the end of XXXX which makes it 2years beyond the payoff date the original amount of the loan was {$8000.00} at that rate I am being charge over {$24000.00} on a five year loan and have made all my payments every single month something is not right when I spoke to one of the representative they said my loan was switch to a different method and no one ever reach out to me or explain who change my loan I would like for you to see what you can do to assist in this matter and you have my permission to review any and all documentation pertaining to this loan there got to be others out there that have suffer the same fraudulent action. 
Thanks, XXXX XXXX