davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NM)

Today, I am received from Experian - incorrect phone number and spouse. 
I am not phone number - XXXX, XXXX and XXXX that my ex husband 's phone number. 
My phone number - XXXX. 
My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 
Need delete - old address XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I was divorced on XXXX 2007 and moved to XXXX. I am not longer at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX about nine years till now. I still lived here in XXXX about nine years till now. 
I am not agree - old phone number and old address that not mine. That my ex husband phone number and his address. 
I am upset that need delete - spouse and mortgage - closed and my ex husband only his name in mortgage now but I do n't want to stay in mortgage in my credit report cause affect if my ex husband not pay mortgage - I not want any more bad credit history or be forced to make any payments as I will be unable to do so due to my very fixed income and low income. 
I show you - attach documents.
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AL)

Account Number : XXXX The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
My XXXX XXXX XXXX mortgage account has 30-Day delinquencies for XXXX and XXXX. My original mortgage servicer was XXXX and was bought out by XXXX XXXX XXXX in XXXX. Due to the recent XXXX settlement, XXXX XXXX XXXX was one of the lenders who were found guilty of extensive mortgage servicing misconduct and deceptive practices during the XXXX settlement. Therefore, my 30-Day delinquencies are a result of their misconduct. 
At this time, I ask that you remove the 30 day late payment immediately off of my account and credit report.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Albert Corporation (SC)

In XX/XX/XXXX, several credit cards were opened in my name, the same week my ex wife and I sold our house. I have a fraud freeze on my accounts via the 3 major credit bureaus. 

On XX/XX/XXXX, someone fraudulently opened a XXXX XXXXXXXX XXXX checking account in my name. After receiving congratulatory emails and Texts from XXXX, I contacted them and was able to close those accounts. At that time, I also created a XXXX  security alert. I have since placed a security freeze. 

On XXXX, XXXX, XXXX, I received a congratulatory email from Albert, a prepaid card/ direct deposit company that has an app called Albert . See https : //albert.com They said I successfully opened an account with an account number from XXXX XXXX  XXXX XXXX Ohio XXXX 

I contacted XXXX XXXX. After several days leaving voicemail messages, someone ( XXXX  ) finally called me back. 

XXXX XXXX  said I don't have an account with XXXX XXXX  but that XXXX XXXX  supplies the plastic cards to companies like Albert. They said the nature of these accounts is for direct deposit. XXXX XXXX  said I should check to verify where my checks from my employer are being direct deposited. 

However, many people also use direct deposit for their tax returns. I have less control over that. What if this person decides to fraudulently submit a tax return in my name? 

I have emailed Albert at support@albert.com asking them to close the fraudulent account. 

I have also filled out an online contact form regarding prepaid accounts at XXXX XXXX  's website, XXXX XXXX XXXXXXXX. Under the section for Prepaid Accounts ( including Albert ) there is a " Contact Us '' button where you can file a complaint for the Prepaid Accounts.

With that all said, the Albert account is still open. I don't know what to do. I need your help closing this one and preventing future checking account/ direct deposit fraud.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

ChexSystem is reporting XXXX XXXX  XXXX Account Number : XXXX on my file as Non- Sufficient Funds ( NSF ) for a Charge Off Amount of {$590.00}. This bank account was opened fraudulently under the address XXXX XXXX XXXX XXXX, PA XXXX, I have NEVER lived at this address or done any business with this company under this address therefore ; this UNPAID BALANCE I am being accused of is FRAUDULENT and MUST BE DELETED per the FCRA. Please keep in mind, this is my second attempt to resolve this matter with ChexSystem. I have attached a FTC Identity Theft Report to substantiate my claim. I have also notified the Federal Reserve for ChexSystem non-compliance and willful neglect of Federal Law. Attached to this Complain is a copy of my Photo Identification with my ACTUAL proof of residency.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

there are inquires that are not mine as i explained to XXXX and Equifax They refuse to take them off they are not mines for i am a victim of identity theft. 
BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never applied for credit for these companies.
Consumer complaint received 2015-06-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I went into the lobby of the Bank of America in XXXX to complete some banking activities, including a cash withdrawal of {$5000.00}. I swiped my debit card for the specific account from which I wanted the withdrawal to be taken, but the reduction was, in fact, taken from a different account. As a result of this error, XXXX payments to creditors were returned with insufficient funds.
Consumer complaint received 2024-02-22
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. (AZ)

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.

15 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.
Consumer complaint received 2022-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I became XXXX after buying my home ; I have done a few modifications and California Keep your home helped me out in XXXX by applying XXXX to my loan with nothing to pay back if I kept my home for a minimum of 10 years I would not have to pay the loan back. The unfortunate part is the way my loan is set up I was hoping that I could be placed in a better position with one day owning my home ; my loan is set up to be paid off in 52 YEARS and I probably wont be around by then so I reached out to PHH mortgage company for help. 

MY COMPLAINT DATES BACK TO XX/XX/XXXX, THE NOTED LOAN CONSULTANTS ADDRESSED IN THIS COMPLAINT IS SOLELY DUE TO UNETHICAL BUSINESS PRACTICES. XXXX XXXX GATHER ALL MY INFORMATION, I paid {$600.00} FOR AN APPRAISAL AND {$20.00} TO LOCK IN RATE ON XX/XX/XXXX, the appraiser did what she was suppose to do the title company sent information but not even ONE PHONE CALL from the loan consultant or ANYTHING ELSE FROM THIS PERSON WHICH PLACED ME IN A REALLY UNEASY AND UNCOMFORTABLE POSITION. I GAVE ALL MY PERSONAL INFORMATION AND PAYED FOR SERVICES AND NO FOLLOW UP CALL WAS UNPROFESSIONAL. THEREFORE, I WAS FORCED TO FILE A COMPLAINT WITH ANYONE WHO WOULD LISTEN AND IN DOING SO, I WAS PUT IN CONTACT WITH THE SECOND LOAN CONSULTANT XXXX XXXX AND AS SOON AS XXXX XXXX REALIZE HE WAS NOT GOING TO MAKE ANY MONEY OFF THIS DEAL THE CALLS FELL OFF. XXXX XXXX ALSO ASKED TO USE MY DAUGHTERS CREDIT AFTER INFORMING HIM THAT HER CREDIT HAD TAKEN DRASTIC HITS AND SHE HAS HER OWN HOME BUT THEY COULD CARELESS ABOUT DOING BUSINESS IN A ETHICAL FASHION. I understand if they cant help me but I HAVE made several attempts of REQUESTING A COPY OF THE {$600.00} APPRAISAL REPORT AND THE NOTED COMPANY HAS FAILED TO PROVIDE ME WITH A COPY! SO UNPROFESSIONAL. 



XXXX XXXX Loan Consultant XXXX ( XXXX ) XXXX XXXX XXXX Loan Consultant XXXX # XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Regards, XXXX XXXX
Consumer complaint received 2022-07-20
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: V and H Portfolio (TX)

I asked this company to validate the debt and provide documentation. With them showing as the collection agency they should be able to provide me with information. They were not able to provide any documentation and they are still showing up on my consumer report even though I asked for it to be removed
Consumer complaint received 2020-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

My name is XXXX XXXX i have a account with Toyota financial services for about 3 years have not had any issues till I XXXX  my XXXX  due to XXXX called to get assistance such as a extension never had requested this on my loan before tried as much to cover it but for XX/XX/XXXX payment i called Toyota financial to request extension by the end of XXXX XXXX recall exact date requested a one month extension I clearly specified to representative I only needed one extension for XXXX payment. I get a letter stated next payment due XX/XX/XXXX .I never authorized that so today XX/XX/XXXX go online to make my car payment and my next payment says XX/XX/XXXX never authorized this and would like you guys to look on what is this company is doing. I called today and was told by representative my extension could not be reversed after explaining what happened.
Consumer complaint received 2015-04-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (CA)

On XXXX XXXX, XX/XX/2015, I received a demand letter for {$460.00} regarding a collection debt from EOS CCA. 

I am disputing this debt of {$460.00} because, it does not belong to me. This is a fraudulent account opened as a result of identity theft with out my knowledge.
Consumer complaint received 2020-11-26
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. (FL)

FOLLOW SUIT LETTER To Whom this may concern : I recently challenged the validity of XXXX account that's being reported on my recent credit report. Upon challenged this, XXXX XXXX DELETED the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verify the same account. It is my understanding the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately. 

Best Regards.
Consumer complaint received 2015-12-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (AR)

Credit card ws stolen and used by someone else back in 2003.Six months ago a credit card company begin trying to collect the debt. I am on a fixed social security and small XXXX pension. I am afraid this company is trying to destroy my small income. They are causing me a lot of stress. My daughter has been helping me to respond to them.
Consumer complaint received 2024-02-22
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. (VA)

In accordance with the Fair Credit Reporting act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
* Account name : XXXX XXXX XXXX XXXX XXXX XXXX * Account number : XXXX, all have violated my rights. 15 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.
Consumer complaint received 2020-11-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.
Consumer complaint received 2023-04-05
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 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 an account without my written instructions.
Consumer complaint received 2022-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc. (TX)

This debt was suppose to be paid by my insurance XXXX XXXX XXXX XXXX. This was a surgery that I had last year. Furthermore I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Provide a copy of my signature with the provider of service to release my medical information to you I asked for this before and have not received anything. So I need this bill removed
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (IL)

Loan Depot has stopped sending me any mortgage statements or information about my loan. I have called them at least three times over the past several months to please start sending me my mortgage statements. 

They have not done so. I can not work online banking as I am older person and do not like online banking. I need my mortgage statements mailed to me. Can they please send me my mortgage statement
Consumer complaint received 2023-04-05
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. (FL)

In accordance to the FCRA 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Account Holder XXXX XXXX XXXX  Original Creditor Account # XXXX Date Opened XX/XX/XXXX Account Holder XXXX Original Creditor Account XXXX XXXX Date Opened XXXX XXXX XXXX XXXX  Original Creditor Account # XXXX Date XXXX XX/XX/XXXX Account Holder XXXX XXXX XXXX Original Creditor Account # XXXX Date Opened XX/XX/XXXX Account Holder XXXX XXXX Original Creditor Account # XXXX Date Opened XXXX XXXX This is considered willfull damage according to 15 U.S. Code 2072 - Suits for damages a ) Persons injured ; costs ; amount in controversy Any person who shall sustain injury by reason of any knowing ( including willful ) violation of a consumer product safety rule, or any other rule or order issued by the Commission may sue any person who knowingly ( including willfully )
Consumer complaint received 2022-02-07
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. (MS)

I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 

The following inquiry are fraudulent : XXXX. XXXX XXXX XXXX OF DATE OF INQUIRY XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX DATE OF INQUIRY XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report 5. XXXX XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report. 


PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS
Consumer complaint received 2020-10-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (CO)

I realize that your lending entity operates under tribal laws and are apparently not subject to normal consumer financial regulations, but I would like it known that over the course of the last year I have paid {$1000.00} to your agency in loan interest and fees, not including the loan principal amounts. I think that this is an extremely predatory practice that preys upon people without access to regular credit, on top of causing me severe financial duress and potential eviction from my residence.
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (PA)

Last Summer, I was approved for COVID-19 rental assistance. My apartment ( XXXX XXXX Apartments ) agreed to work with the program ( XXXX  XXXX by XXXX ) and we all signed the contract. They received rent in arrears via mailed check in late XXXX or beginning of XXXX. The program also pays for XXXX additional months ( XXXX ). My apartment complex 's manager didn't know about the 3 months of additional funding, so she emailed over the ledgers 3 months late to receive payment. She was supposed to email ledgers by the XXXX of every month. House XXXX explained to her that they will not expedite payment because she failed to do it on time and they work in order received. I was recently approved for XXXX additional months of rent payment. I moved out of my apartment on XX/XX/2022. I moved out for XXXX major reasons- I have a terminally ill wife, so we moved back to Pennsylvania XXXX we could be near her family again. Secondly, I couldn't stay at that apartment anymore because my apartment was charging me monthly late fees until they receive a check from XXXX. My apartment wouldn't let me make any payments towards anything because they require a full payment. Once the check was received, I would've owed a lot of money that includes late fees, water/sewer, tech amenity, etc. On XX/XX/2022 I received an email from a debt collection agency that my apartment turned over my balance to them. My apartment should not of sent anything to a debt collector and should have continued to wait for a payment to arrive.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (AL)

I have received a decision by Experian that they had verified that the account is mine. 
I find it interesting because I had disputed with XXXX XXXX XXXX on the CFPB interface and they had confessed that they do not have or could not provide the original instrument of indebtedness in its original form or in any form for that matter. 
It further proves that Experian has not done its proper due diligence in verifying the accuracy of the information that they place on the credit report. 

It is sad that there are multiple people in the world who experience id theft and instead of going after the real culprit, they go after the victim and try to force the obligation on the victim.