davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-25
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. (SC)

I've contacted the 3 major credit reporting agencies about inaccuracies on my credit report resulting from identity theft possibly from the many recent breaches. None of them have yet to respond with any relevant information or tell me how they allowed these accounts be opened. Again, its not my job to start trouble, but these inaccurate accounts are really hurting my ability to get credit and are beginning to cause emotional stress.
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Ingo Money, Inc. (AR)

dear consumer financial protection bureau so im submitted written online email case report about im having delay problem issues with and check cashing business goes by the name of ingo money inc so the ingo customer has reach out too the business company directly today and has not been unable to solve problem issue between the consumer and the business company directly so i can explain details about the type of problem issues im having with ingo money inc check cashing services so i had deposit check thru ingo money app mobile check deposit thru my smartphone and after i mobile deposit the first check enclose from my smart phone ingo money denied my recent transaction check amount {$8.00} cents into credit into my checking account then after they denied my first check i deposit another check for XXXX cents even amount into my mobile check deposited into my checking app account on yesterday ingo money close my mobile check desposited account without my consent of knowing they did so i can provide ingo money inc telephone number XXXX so now im not able to deposited checks into my ingo money account thru using mobile check from my phone app
Consumer complaint received 2020-10-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this  information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-11-24
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)

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THE SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-06-07
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: CITIBANK, N.A. (AZ)

In XX/XX/2020, someone opened a Citibank/Home Depot account ( Citicards CBNA ). I did not open this account. Citibank claims I owe {$20000.00} on this account. I have no idea where it was opened or what was charged on the account. I have no account number. I filed a complaint with Identitytheft.gov,, and disputes with XXXX, XXXX  and XXXX. Citibank continues to claim this is my account. I have never been contacted by Citibank. I have tried to contact them, but that's impossible without an account number ; you get caught in an automated loop.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-11-09
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: Experian Information Solutions Inc. (FL)

XX/XX/2021 Attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN:XXXX Email : XXXX Reasons : I would like all of my derogatory remarks removed immediately. Many of these accounts fall under the statue of limitations or are misreporting on my credit report. 
Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' ) Account Name : XXXX XXXX  Account number:XXXX  Date Filed : XX/XX/2021 Type of Account : Collection Address:XXXX  XXXX XXXX XXXX XXXX, WA XXXX Phone:XXXX Reason : THIS IS INACCURATE
Consumer complaint received 2019-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX XXXX XXXX XXXX is the investor on my mortgage note and they are unwilling to provide the assistance that other investors do for their customers. This institution received bailout money from Washington to work with customers on the terms and conditions and helping with different programs. They never once did one thing and when contacting them they take no responsibility for their requirements and point you back to the Servicer whose hands are tied tightly. Ive been dealing with this XXXX since 2008.
Consumer complaint received 2019-09-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

XXXX portfolio services calls me repeatedly after I've asked them to stop. They call from various spoof numbers and call at all hours, including night hours. They either hang up or refuse to say who they are ( I only know because I call the number back sometimes. 

They have also called family members and I think they are the ones threatening to arrest me at work. 

Come get me I dare you.
Consumer complaint received 2018-04-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AZ)

I had a credit card with XXXX, a retail store that is on military bases. in XX/XX/2008 it went into default for XXXX.. never received anything from them until TRANSWORLD SYSTEMS INC started garnishing my wages at 25 percent and is garnishing a total of about XXXX. Never got a communication or sopona to appear in court, never received any letter from either XXXX or TRANSWORLD SYSTEMS INC. 

Also the garnishment is showing as a Student loan, I do not have any student loans. 
Apparently Transworld systems is also part of the same group of which XXXX   XXXX is a part of. About 3 years ago i was going through the exact same thing with XXXX XXXX and eventually they returned the Money they were Garnishing and stopped Garnishing me after an inquiry from CPFB. 
I never learned what happened because CPFB doesn't disclose the results of their inquiry. 




Student with one loan- Federal XXXX TRANSWORLD SYSTEMS INC XXXX XXXX
Consumer complaint received 2019-08-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

THIS IS NOT A DUPLICATE COMPLAINT. THIS IS A NEW ISSUE REGARDING TENANTS THAT RESIDE WITH ME. 

I have 2 tenants living in my home for some time now. They both have indicated that they will be staying and have NOTIFIED ME JUST NOW that they will begin pursuing their own remedies to stay in the home. 

One tenant is 100 % XXXX and on a fixed income. The other tenant will be bringing his daughter to live here next week. The child 's mother died earlier this month unexpectedly. He does not have alternatives at this time and he must put his daughter in school or he will have problems with social servies. 

I am having difficulity communicating with JP Morgan Chase to notify them of this situation.
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

SPS has unrealistic value on short sale property. Our property is distressed and underwater and we have been trying to work with SPS. We had THREE offers. Two dropped out because of length of time it took for SPS to get back to buyer on response of acceptance. They were soooo slow buyers would not wait any further. Each offer was between 1.2 and 1.3 million. Our home has been on the market 450 days. We FINALLY got another offer at XXXX and the buyer said they would hang in there while SPS did their review. Now SPS is stating they won't review because offer is too low, however, it's the same value as the prior offers of XXXX. The appraisal done by SPS was inaccurate and flawed and used properties outside of our town. I'm submitting support information.
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (TX)

I made a settlement offer with Receivables Performance Management ( RPM ), a collection agency for XXXX XXXX. The settlement was made in XX/XX/XXXX and accepted by RPM, all payments were made in accordance with the settlement agreement. Today, XX/XX/XXXX RPM is stating I still owe the original balance. I have a hard copy of the settlement that was printed from their WEB site that clearly shows the settlement was agreed to and that all payments were made. 

I called RPM and explained this to them and they said they have no such agreement with me. Please help in resolving this matter with RPM. I can provide all the evidence you need to show that they agreed to this settlement and I made all payments according to the agreement.
Consumer complaint received 2021-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (CA)

THIS COMPANY SAYS I OWE A DEBT FOR THE AMBULANCE COMING TO XXXX XXXX XXXX. I WAS INJURED ON SCHOOL PROPERTY DURING SCHOOL HOURS PARTICEPATING IN SCHOOL ACTIVITIES. THE AMBULANCE WAS NEVER CONTACTED BY ME BUT THEY MADE ME SIGN MY NAME AND THEY BILLED ME, IN FACT I WAS STILL A MINOR AT THE TIME
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (IL)

The Debt Bondage Repair Act prohibits credit reporting companies from providing credit reports that contain any negative item of information about a survivor of trafficking that resulted from the trafficking. 1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of human trafficking.

( a ) Scope. This section applies to any consumer reporting agency as defined in section 603 ( f ) of the FCRA, 15 U.S.C. 1681a ( f ).

( b ) Definitions. For purposes of this section : ( 1 ) Appropriate proof of identity means proof of identity that meets the requirements in 1022.123, for purposes of section 605C of the FCRA.

( 2 ) Consumer report has the meaning provided in section 603 ( d ) of the FCRA, 15 U.S.C. 1681a ( d ).

( 3 ) Consumer reporting agency has the meaning provided in section 603 ( f ) of the FCRA, 15 U.S.C. 1681a ( f ).

( 4 ) Severe forms of trafficking in persons has the meaning provided in section 103 of the Trafficking Victims Protection Act of 2000, 22 U.S.C. 7102 ( 11 ).

( 5 ) XXXX XXXX has the meaning provided in section 103 of the Trafficking Victims Protection Act of 2000, as amended by section 108 of the Justice for Victims of Trafficking Act of 2015, 22 U.S.C. 7102 ( 12 ).

( 6 ) Trafficking documentation means one or more documents that satisfy paragraphs ( b ) ( 6 ) ( i ) and ( ii ) of this section : ( i ) Victim determination. Documentation that : ( A ) Is of a determination that a consumer is a victim of trafficking made by a : ( 1 ) Federal, State, or Tribal governmental entity ; or ( 2 ) Non-governmental organization or members of a XXXX XXXX task force, including victim service providers affiliated with the organization or task force, authorized by a Federal, State, or Tribal governmental entity to make such a determination ; As I submitted things things XXXX XXXX from Experian said that she cant prove XXXX XXXX is valid
Consumer complaint received 2020-01-25
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: EQUIFAX, INC. (NY)

I contacted Equifax about my score decreasing from 1 day to the next by 42 points. There were only 2 changes on my report which were balances decreasing which is a positive. I have a XXXX and a XXXX on 2 other bureaus and Equifax knocked me down from XXXX to XXXX. My payment history is 100 % across all my accounts. My ratio is abount 45 %. After verifying all my identity criteria I was told by a representative that they did not know why it happened and could not correct anything. Told me to hang on for a supervisor and I stood on hold for along time before being disconnected. That type of drop usually occur with a late payment or something dramatic happens. I don't know if someone opened up any accounts in my name and do not see anything on my credit reports from other bureaus. They first told me I can pay for credit counseling. This is going to kill my interest rates at a time when it took me a long time to get things corrected. I feel they are trying to scam me into buying other products in order to talk details with me or since I am part of the settlement they are discriminating against me.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX  is attempting to re-age and/or change the dates they have claimed my auto payment was lateand this has directly impacted my ability to obtain a mortgage. In report XXXX they report 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. When challenged they changed the dates to XX/XX/XXXX and XX/XX/XXXX. XXXX  also repeately reports a much higher balance with a 3 month delay in updating the balance. Current balance is not {$19000.00} XXXX has repeately misrepresented this account with all three credit reporting bureaus.
Consumer complaint received 2020-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

i tried to pay off one of my student loan that is now a total XXXX US dollars. i made two attempts this year and nelnet for some reason keeps canceling the payment. i have screenshots that it is being processed and when i keep checking it is still being processed and then i look at my bank account the money is there and nelnet has not taking it. my bank confirm that nothing is wrong on there end. so i called nelnet to see what is the problem and they want to say there is a problem on my bank side. which is not true. i think they are scrammers because he they do not accept my payment the interest rate continues to increases. this is not acceptable.

the have accepted other payments that i submitted around the time i submitted the full payment of one of my loans i will submit a payment again in smaller amounts to pay this loan off please help
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I tried to sign up for a TransUnion account to freeze my credit report. They then surreptitiously signed me up for credit monitoring with a {$24.00} fee without ever disclosing to me that I would be charged.
Consumer complaint received 2021-11-09
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. (OH)

The following disputes have been outstanding for longer than 30 days. Please see attached. According to the FCRA disputes should be completed within 30 days. Anything past 30 days is considered unverifiable.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

A friend and I opened an account for them online together over the phone. Friend mailed me a power of attorney as well as {$18000.00} stimulus check to deposit. Capital One bank froze the account and is denying the use of the power of attorney to withdraw funds from the account.
Consumer complaint received 2021-06-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX a notice of settlement was received from XXXX XXXX XXXX advising " This is a attempt to collect a debt and any information obtained will be used for that purpose. '' The letter stated this account had a charge off date of XX/XX/XXXX. 

On XX/XX/XXXX a debt validation letter was sent to XXXX XXXX XXXX in an attempt to confirm proof that they own the alleged debt. tracking number XXXX XXXX XXXX XXXX XXXX. To which the collection agency never responded. 

All 3 bureaus list alleged " AMEX '' account as closed and collection/chargeoff. 

Then on XX/XX/XXXX, Experian dispute results were received and there was an observation that on XX/XX/XXXX " AMERICAN EXPRESS 2 '' initiated a soft inquiry on credit report and also on XX/XX/XXXX there was another soft inquiry from " AMEX ''. It should also be noted at time of inquiry neither " AMEX '' or " AMERICAN EXPRESS 2 '' had any open accounts listed on credit report. 

On XX/XX/XXXX a letter was received from AMEX that stated " This account has been assigned to AMERICAN EXPRESS ''. How can an account be assigned to a company that has already closed and charged off said account? 

How can there be an inquiry on consumer 's credit report when the closing and charge off of account thus ended any business relationship? This egregious action has caused consumer harmed and has clearly violated FCRA 616 ( a ) ( 1 ) ( A ) + ( B ) Civil liability for willful noncompliance as report was obtained under false pretenses.
Consumer complaint received 2022-01-12
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: D&A Services, LLC (AZ)

XXXX XXXX XXXX  has repeatedly tried to collect a debt that came from identity theft. Each time I ask for proof of debt using the forms that the Federal Trade Commission supplied and each time the response is to show credit statements with charges that have already been reported as identity theft ( FTC Report Number XXXX ). I even supplied names of the suspected identity thieves but rather than pursue that it is easier to just sell the debt again to another company so they can continue to harass me and violate the Fair Credit Reporting Act and the Fair Debt Collection Act. It needs to stop!